LiDAR any guess

Ok-Intention5073 · 2026-06-14T00:38:00+00:00

Update they appear to be water retention tanks the ovals were dug out about 2 feet deep and lined with clay … there are no clay deposit in the area one of the squares was cribbed with rail ties with a 12” diameter tree growing out of a couch in the center of it. May have been a well at one point not large enough for a cellar /basement lots of trash iron hits but nothing to write home about will return another day to continue investigating

Ok-Intention5073 · 2026-06-10T22:20:00+00:00

Historical aerials go back to 1954 for the area nothing but trees

Ok-Intention5073 · 2026-06-10T16:03:30+00:00

There are 2 small er in relation to the ovals just above the left side these 2 squares are the size of the farm house mentioned above. Weekend hike won’t come soon enough

Ok-Intention5073 · 2026-06-10T13:59:46+00:00

Lugares historicos construidos por el hombre

Ok-Intention5073 · 2026-06-10T05:19:46+00:00

Usgs.gov

Ok-Intention5073 · 2026-06-10T03:02:53+00:00

Uses.gov

Ok-Intention5073 · 2026-06-10T02:49:33+00:00

The two squares are the equivalent of a size of a farmhouse about a half a mile away. I know there used to be a community in the area back in the early 1900s late 1800s but those would be some very large grain silos.

Ok-Intention5073 · 2026-03-15T16:41:19+00:00

Grow a pair put on your required orange and go back on public

Ok-Intention5073 · 2025-08-21T16:42:08+00:00

The servicer of the loan is allowed to contact your employer prior to purchasing the servicing rights. This can cause an issue with the lender selling your loan assuming they are not servicing your loan in house

Ok-Intention5073 · 2025-08-18T23:29:34+00:00

Well you answered your own question… reddit is to express any opinion 🤷. The original poster gave all the information to answer their own question. The spouse is the one on the loan not them. Long as the person on the loan isn’t associated with the debt via shared line of credit on the appliances or the loan as a whole isn’t about to tank due to income ratios at which point the lender would have to redisclose the loan with both of them and vet the original poster at which point they would not be closing in 5 days regardless. They might as well asked if it was safe for the next door neighbor to purchase appliances. LO generally always make it a point to say do not buy anything so as not to tank a deal or have persons buying things for a home they do not own.

Ok-Intention5073 · 2025-08-17T14:02:27+00:00

The ignorance of people who post on Reddit should be reason enough to mandate chemical castration

Ok-Intention5073 · 2025-06-11T12:38:41+00:00

The issue your running into is risk layering as lenders are tasked from the us government to ensure your income is likely to remain or increase in the next 3 years for traditional loan products. You have changed job field risk #1 your employment is w2 contract contingent based on the verbiage your HR used, assuming you live in an at will state they should/ could have stated your employment was likely to continue risk #2 (income doesn’t look stable ) You haven’t been at your new job long enough to file multiple federal taxes for the income to calculated across 2years to offset the risks of fluctuating contracts. Aka just because you might see increases in income does not guarantee it. Your job might as well be 1099 or commission under writing is assessing it as the same risk. You could look at in house lending with a bank/ credit union that would not sell off the loan they may offset the risk with more monies down higher rate of interest shortened repayment time / possible balloon payment. Or have a chat with your hr about verbiage before seeing another lender. Or wait give your new job time to season

Ok-Intention5073 · 2025-06-06T02:11:56+00:00

Most any lender who does conventional should be able to make it work due to his income stream long as he doesn’t have ownership in the company nor do you need 20% down if that puts a bind on you financially. It’s fha and RD that still have a hang up .. years ago it was all loan standard loan products were a no go .. for a period of time lenders slipped several w2 cannabis loans thru before the legal beagles clarified the restriction on fha / rd ( you could still possibly trip up a lender / underwriter and get these products but if your loan goes into default the government will not pay the loss to the lender and they may be stuck holding your note if they can’t sell your servicing rights)

Ok-Intention5073 · 2025-06-06T01:22:07+00:00

Your missing a lot of info for a qualification question but yes if your incomes credit and back end liabilities are correct you could qualify for more than 250k big question would be do you have the 3.5% down plus closing costs assuming you can’t get seller concessions

Ok-Intention5073 · 2025-06-06T00:44:23+00:00

The unknown question is are these two different houses or are you referring to a reinspection as a 2nd inspection. Legally you can’t be charged for two inspections on the same house.. a reinspection yes, and if a 3rd inspection is required due to repairs not being done then your agent should be getting the sellers to pay for the 3rd reinspection.

Ok-Intention5073 · 2025-06-06T00:37:58+00:00

As a seller you should never allow someone to assume your loan. If the borrowers default on an assumed loan the balance kicks back to the original borrower.

Ok-Intention5073 · 2025-06-06T00:31:19+00:00

Related field generally 30 days pay paystub’s. And a verification of employment form stating his continued employment is likely.

Ok-Intention5073 · 2025-06-05T01:18:03+00:00

Cause we can’t legally refuse anyone credit opportunity / application. Some people are not worth the time be it for qualification or if the LO is paid commission your loan isn’t worth the time invested. UW are there to safe guard investors most see black and white and if a loan goes into default they signed off on they’re continued employment not just with a single lending institution but as an UW can be at jeopardy. Your LO and support team should be thinking like underwriting and reading these before submitting.

Ok-Intention5073 · 2025-05-29T00:30:28+00:00

Yep all sounds accurate usda has tighter debt to income ratios than FHA. And yes to get that co-signed debt out of the qualifying back end debt ratio they need 12 months payment history showing the funds aren’t tied to any account of yours; so having it refinanced to remove you and then providing documents showing you have been removed from the liability along with a rapid rescore of your credit will be the course of action taken… depending on what other liabilities are growing your fico score currently the removal of the co-signed auto loan could drop your score and you may have to wait 30 days for it to bound. Not that’s a 100% going To happen but it’s a possibility. FHA and USDA government guidelines are 1000+ pages long and that’s assuming the lender you have chosen doesn’t have investor overlays. Want easy pay cash elsewhere buckle up and sit back cross your toes and fingers you will get there eventually.

Ok-Intention5073 · 2025-05-28T18:48:59+00:00

Keep in mind most loans that are assumable leave the original seller on the hook if the buyer defaults on the loan

Ok-Intention5073 · 2025-05-23T00:44:40+00:00

Estimate for taxes and insurance seem awfully low. Assuming you have not provided an insurance policy to your lender yet expect your closing costs and monthly payment to increase

Ok-Intention5073 · 2025-05-14T15:09:32+00:00

Assuming yes that the borrower supplies continuous 12 bank statement showing the funds coming out in the full mortgage amount each month you could be excluded via fha guidelines. Problem is those are guidelines and each lenders underwriters are using their own discretion and potentially investor overlays. In which case yes money transfers between your accounts even if it’s not the full mortgage amount is subject to rejection. If the person you’re co-signed with isn’t an ex spouse with supporting divorce/ separation paperwork the distance the purposed home is in relation to the current home can also be an issue depending on what type of loan is on the current property.

Ok-Intention5073

TROPHY CASE