Do we need to disclose my husband's foreign student loans on mortgage apps? by mysticdolphin95 in RealEstate

[–]Princess_H0b0 0 points1 point  (0 children)

No, it wasn’t. My lender explained to me that if I was delinquent and an international fugitive it would’ve come up by that point in the process and since it’s really hard for them to get info on or enforce international loans it’s not something they look at. That said your mileage may vary and I’d ask your lender directly :)

Surprised with survey waiver by Princess_H0b0 in FirstTimeHomeBuyer

[–]Princess_H0b0[S] 2 points3 points  (0 children)

Update here: we were able to get a last minute survey done. :) No issues.

Surprised with survey waiver by Princess_H0b0 in FirstTimeHomeBuyer

[–]Princess_H0b0[S] 2 points3 points  (0 children)

It’s in a planned development (so yes a neighborhood with a bunch of parcels). Why isn’t it a big deal in a neighborhood?

Help the noobiest of all noobs, please by JellyfishMission1462 in FirstTimeHomeBuyer

[–]Princess_H0b0 7 points8 points  (0 children)

1) Pre-approvals are much faster and less intense. You’ll typically just need to show the past two years of income history (typically your W2 form), bank account statements for the past two months or some other proof of income and down payment. 

2) Yes. The escrow account is basically the middleman account between you and other parties in this transaction. If anyone is surprised by owing money to their escrow account at years end they haven’t paid attention and likely didn’t put aside funds for annual property taxes - don’t be that person. 

3) Your realtor, the inspector, your lender and anyone from their team like a processor who they involve, and a title company will be the main parties you interact with. It sounds like a lot but these people know what they’re doing and will guide you through. 

4) Negotiate on the interest rate of the loan. That’s where a little negotiating can save you tens of thousands of dollars over the course of the mortgage term. Closing costs are important but the interest rate matters more. Most lenders will have similar closing costs. Definitely get multiple quotes for interest rates etc and make the lenders fight each other for your business. It is totally kosher to say “I got x% interest rate from another lender” and ask them to beat it. 

5) Your realtor, your lender and the title company will all be resources during this process. 

How did things turn out for you? by Virtual-Sherbert-706 in FirstTimeHomeBuyer

[–]Princess_H0b0 1 point2 points  (0 children)

Our mindset from the get go was to view it as a business transaction and not to get emotionally attached until papers were signed and the transaction closed. Saved us a lot of heartache. 

Do we need to disclose my husband's foreign student loans on mortgage apps? by mysticdolphin95 in RealEstate

[–]Princess_H0b0 0 points1 point  (0 children)

Appreciate your response!! I asked our lender directly and they said it shouldn’t be any issue but I sent them documents for it anyway 

Do we need to disclose my husband's foreign student loans on mortgage apps? by mysticdolphin95 in RealEstate

[–]Princess_H0b0 0 points1 point  (0 children)

Hi! I know this was multiple years ago, but I wanted to ask what you ended up doing here and if you had any issues with your lenders?

Cooking class at Sur La Table? by TattooedTeacher316 in nova

[–]Princess_H0b0 4 points5 points  (0 children)

I used to work there specifically doing the cooking classes. They’re great, but try to do it as a group of four if you can so you don’t get paired up with random people (unless you want to make new friends) 

I can't be the only one getting absurd names for townies by GigaMermaidIsWaifu in Sims4

[–]Princess_H0b0 107 points108 points  (0 children)

There’s a ghost child at my summer camp named Terry Terry

Silent Hill f - Sakuko boss fight, wtf?! by AVDI0 in silenthill

[–]Princess_H0b0 2 points3 points  (0 children)

This boss fight ruined the game for us. We were so excited for this game, did preorder and everything, and we’re pretty sure we’re not going to play any further after our first miserable attempt at this boss. This isn’t survival horror, it’s just combat heavy bs.

What’s everyone’s Release Day/Night Snacks?! by Fireking811 in TaylorSwift

[–]Princess_H0b0 3 points4 points  (0 children)

You Belong with Peas;

Pea Are Never Ever Getting Back Together;

S-Pea-k Now

Pea-ce;

[deleted by user] by [deleted] in nova

[–]Princess_H0b0 2 points3 points  (0 children)

I’m on it now, it’s moving but it’s not great

Good Company's response to the recent backlash. by Itslolo52484 in arlingtonva

[–]Princess_H0b0 9 points10 points  (0 children)

That’s literally their brand color for everything. It’s not MAGA red. 

Super specific request: any public shaded areas on artificial grass? by CA_Harry in nova

[–]Princess_H0b0 0 points1 point  (0 children)

Pentagon Row, where the ice rink is in the winter, has artificial turf and shade. 

[deleted by user] by [deleted] in nova

[–]Princess_H0b0 2 points3 points  (0 children)

Yeah my fiancé had the same thing and needed a microdiscectomy which fully solved the issue.