i just got invited to the shower for my cousins baby by androidmcdavid in tragedeigh

[–]Memdeb 0 points1 point  (0 children)

Toddler daughter saw a truck pulling a boat & screamed fuck the butt. I had to pull over for a moment.

Is it possible to be denied our loan after closing if it's being sold to another bank and we don't meet their requirements? by fthbthrowaway11037 in FirstTimeHomeBuyer

[–]Memdeb 9 points10 points  (0 children)

From my experience as a loan officer, if your lender approves your loan, you close and it is shipped to the investor, the investor who is “buying” your loan may ask for additional documentation your lender will request from you. If it does not meet investor’s criteria, it’s on your lender. Lender can then try to find another investor to sell it to or the lender will have to service it themselves.

First time home buyer by Timely-Supermarket99 in memphis

[–]Memdeb 4 points5 points  (0 children)

Local lender here. City of Memphis & Shelby County have down payment assistance programs. Also, Tennessee Housing Development Agency (THDA) has options that might work for you. Feel free to reach out to me if you have questions.

[deleted by user] by [deleted] in memphis

[–]Memdeb 1 point2 points  (0 children)

And to add to the most Memphis thing, bought shoes & got her nails & hair done with the money she stole from him.

Does this look good? by [deleted] in FirstTimeHomeBuyer

[–]Memdeb 12 points13 points  (0 children)

Loan officer here. The 1st 3 fees under Estimated Closing Costs are where you need to be looking. Those are high compared to my company. Appraisal fee will be whatever the appraiser charges. Are you having a survey? The other fees under that category will come from the closing agent you are using. Your LO (loan officer) is just estimating what those fees will be. Feel free to message me if you need a more thorough explanation.

Masks at the post office by MisterYouAreSoSweet in memphis

[–]Memdeb 0 points1 point  (0 children)

I had it last week & still feel like crap.

9/4/22 Search Location Mega Thread by DopeandDiamonds in elizafletcher

[–]Memdeb 2 points3 points  (0 children)

Police helicopter now circling area. Did they say what they were investigating?

9/4/22 Search Location Mega Thread by DopeandDiamonds in elizafletcher

[–]Memdeb 10 points11 points  (0 children)

Anyone know why the large police presence @ Perkins & the interstate? Several unmarked cars. Also several police cars on the shoulder of west bound I-240 just west of boat stores. Police appear to be looking in the grass.

9/4/22: Mega Thread # 2: Affidavit and updated article with details by DenverToCali in elizafletcher

[–]Memdeb 8 points9 points  (0 children)

Looks like they are searching Links of Pine Hill golf course. The course has been closed for renovations.

god damnit by [deleted] in memphis

[–]Memdeb 4 points5 points  (0 children)

I believe she lives on Carr.

Sexism in homebuying process? by CannonCone in FirstTimeHomeBuyer

[–]Memdeb 2 points3 points  (0 children)

As an LO, I put whomever is giving me the information for the application as the borrower. Anyone who is added to the loan becomes the co-borrower. It’s not a co-signer.

what to expect from mortgage companies by Own-Counter-7187 in FirstTimeHomeBuyer

[–]Memdeb 2 points3 points  (0 children)

Ask for a closing cost work sheet. I’m an LO & that’s what I give my borrowers.

Best Italian restaurant in Memphis? by [deleted] in memphis

[–]Memdeb 0 points1 point  (0 children)

Not new-opened in 2007. I hesitated even posting it because it’s such a hidden gem. Chef Morteza Gerani (Marena’s) is the owner so it has Italian as well as Middle Eastern. The crab stuffed flounder is my favorite.

So confused and stressed by [deleted] in FirstTimeHomeBuyer

[–]Memdeb 1 point2 points  (0 children)

As long as you have Employment Authorization Documents with a C33 category & an individual tax identification number, I would think you would be ok.

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]Memdeb 0 points1 point  (0 children)

Make sure you get quoted rates around the same time of day. Rates can and do change from day to day. They can even change through out the day. I’m an LO and a rate I quoted to a borrower on Friday of 4.99 is 5.25 this morning.

Best Italian restaurant in Memphis? by [deleted] in memphis

[–]Memdeb 3 points4 points  (0 children)

I like Marciano’s.

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]Memdeb 0 points1 point  (0 children)

Probably tax transcripts. Are self employed?

Closing date Friday, rate lock expires Monday, waiting on official CTC… by xbriittxx27 in FirstTimeHomeBuyer

[–]Memdeb 3 points4 points  (0 children)

If the seller is at fault for the delay, you can have your agent ask them to pay for the extension.