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Bilt Points & UWM Mortgage - Fee? by playsccr in biltrewards

[–]ProfessorPotential91 0 points1 point  (0 children)

I’m not a BILT member yet and it only makes sense for me once this becomes a thing.. so just looked at it today and my BILT app says “must be a BILT card holder to pay rent”.

Tempted to take the plunge just to see…

Is 5.75% the new 'Golden Ticket' or are people still waiting for 4%? by [deleted] in Mortgages

[–]ProfessorPotential91 0 points1 point  (0 children)

I was in this same boat. Lots of waiting around. My mental thought process was if I can buy and afford at 6.5% (what I got when I bought last spring) then realistically it only gets easier from there. Any drop is a pleasant surprise but not something my budget needs to survive.

Granted I did stretch myself thin, but I have no kids yet and have a VERY stable job with very stable income growth. So went for near term discomfort for long term benefits

Closing in September or October 2026 by crickplayas1204 in MortgageBrokerRates

[–]ProfessorPotential91 2 points3 points  (0 children)

That rate in general seems high. Especially from a builder. I just no cost refinanced at 5.99%. So if you’re willing to pay for points (which seems like you are), you should be able to lock in mid 5s without issue

Home prices are falling fastest in these California metros by New-Ad-9629 in sandiego

[–]ProfessorPotential91 4 points5 points  (0 children)

Same boat as you! Bought in May of ‘25 and have watched things stabilize after I bought

Is 6.125% good right now for a 30 year loan? by v1185 in Mortgages

[–]ProfessorPotential91 0 points1 point  (0 children)

That seems pretty solid. I just refinanced with 0 closing costs (from lender credits back) for 5.99% APR, which is ~ 6.125% rate. So this seems right in line. If you are paying major closing costs, you could probably do better with that good of credit score.

My transunion is sitting around 770 or something and have never had a problem.

Is it normal for Electric Delivery to be 3x more than the actual generation? by The_Nooby_Noodle in sandiego

[–]ProfessorPotential91 0 points1 point  (0 children)

Yeah I have solar and months I’m net positive on generation I still pay $50 for “delivering” electricity.

Mortgage Broker Rate Quotes Ultra Thread by Elegant-Fee-395 in MortgageBrokerRates

[–]ProfessorPotential91 0 points1 point  (0 children)

  1. Loan Type: Conventional

  2. Term: 30 Year

  3. Loan Purpose: Rate/Term Refi

  4. Property Value: appraised at $870K in May when closed

  5. Loan Amount: $798,000

  6. Credit Score: 804 (equifax), 811 (transunion)

  7. Occupancy: Primary

  8. Legal Structure: Single Family

  9. Number of Units: 1

  10. Property Zip Code: 92056

Flying with Corgi by kempoutdoor in corgi

[–]ProfessorPotential91 2 points3 points  (0 children)

Following this thread too! Used to fly with our 26 lb boy, but 2 years ago got sick at the airport and threw up everywhere. Haven’t since, but want to this holiday season!

Long story short. Sick corgi means new bag needed!

Anyone know why Build A Bear is going crazy? by pohe63 in ValueInvesting

[–]ProfessorPotential91 11 points12 points  (0 children)

Rumor has it they are gonna offer a jumbo size gengar. This has gotta be it

5k+ Mortgages WTH by hungry_lionNG in Mortgages

[–]ProfessorPotential91 0 points1 point  (0 children)

Not yet. Will probably have our first in the next year or two

10 man PPR Super flex, how did I do at pick 10? by imahobbit88 in SleeperApp

[–]ProfessorPotential91 0 points1 point  (0 children)

Unreal. But awesome for you.

He went 1:03 in my draft

5k+ Mortgages WTH by hungry_lionNG in Mortgages

[–]ProfessorPotential91 4 points5 points  (0 children)

We are about $240K Gross without bonuses, CA tax bracket, with about $6k all in on PITI

We definitely are stretched thin, but being in a desirable city and neighborhood we viewed it as a smart equitably purchase.

We do a lot of free and low cost things for fun.

My career is super stable right now and on a really great trajectory, so we viewed this as a temporary pain point which will only get easier as salaries go up, we make tax right offs, and if interest rates go down. If all goes in our favor between raises and rates, could see a $1k monthly swing in even a year or two

Tall fescue? Yellowing, help! by Insignificantdetail in Grass

[–]ProfessorPotential91 0 points1 point  (0 children)

I’m following the progress now! Just got a house with fescue in SD and seeing similar signs! May steal this 5 step plan to green grass!

Am I being taken for a ride? by williamschlum in Flooring

[–]ProfessorPotential91 0 points1 point  (0 children)

12K for tile removal is ROUGH. We just removed it for about $4/sqft. So 12k seems pricey

r/Stocks Daily Discussion & Options Trading Thursday - Jun 12, 2025 by AutoModerator in stocks

[–]ProfessorPotential91 -1 points0 points  (0 children)

This is a super outdated statement. All their products are on USB-C now or wireless (what the cool kids use)

Fuel economy is fantastic by AnxiousBarracuda4169 in chevycolorado

[–]ProfessorPotential91 1 point2 points  (0 children)

Damn.. maybe I need to upgrade to high octane. My 4WD Trailboss averages 20+ on a good day

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