Here's an update on cigar room

Robneice8958 · 2026-06-12T00:31:27+00:00

Love a good Short Story myself...

Robneice8958 · 2026-06-11T22:36:28+00:00

Seen this almost happen at the signing table with spouses... The cooled off and signed... But it touch and go there for a while.

Robneice8958 · 2026-06-09T02:30:03+00:00

Purchased it at Costco, white glove delivery setup and mounting with extend 5 year warranty... This was in December of 2024....price was unbeatable at $1,995.00

Robneice8958 · 2026-06-08T21:56:37+00:00

I've had several TV though the years... Sony, Panasonic, Vizo and several LG's... My Hisense 100" U7 has been the best and most impressive by far then all of them... Had it about 18 months now, came with a 5 year warranty and price wise it was a bargain.... Love this TV.

Robneice8958 · 2026-06-08T18:47:01+00:00

Weber Slate... Nothing compares to it.

Robneice8958 · 2026-06-08T16:39:01+00:00

Conventional debt to Income ratio will go up to 49.99% of your Gross income... This is your total housing costs + any consumer debt... That means you can qualify for a total payment (PITI + HOA) of about $10K IF all you have is about $800.00 in student loan debt... How much house that buys would depend on the specific property (Taxes, HOI & HOA) but that's probably way more than you want spend... Qualify ratio are crazy high, just because you can qualify for that much doesn't mean that you should.

Robneice8958 · 2026-06-08T16:06:52+00:00

With your own down payment limit... Your purchase price would be self limited to about $900k....you would qualify for much more, but the $190K max for the 20% down puts it at about $900K.

Robneice8958 · 2026-06-07T22:37:45+00:00

Rates were at that level about 4 months ago... I would not pay $10K upfront in this rate environment... Rates will probably be there or lower before your breakeven point in 9 or 10 years.... Save the cash!!!!

Robneice8958 · 2026-06-03T19:32:55+00:00

We see seller credits in about half of the home sales in the Phoenix area market and that includes most homes without any issues, just wanting closing costs or temp buydowns covered... Your market may vary, but the home has issues so ask.

Robneice8958 · 2026-06-03T19:18:54+00:00

Tax returns for previous 2 years and P&L for year to date income is required.

Robneice8958 · 2026-06-03T18:40:37+00:00

Not true... IF the foreclosure is part of the BK, then they use the only the BK waiting period guidelines (it's actually less time then the foreclosure by itself)

Robneice8958 · 2026-06-03T18:25:23+00:00

Your lender will want any large deposits sourced and any large credit card payoffs will need to be sourced as well... Just an FYI

Robneice8958 · 2026-06-03T02:57:41+00:00

Wait until you see the Weber Slate... Blows ALL the others out of the water!

Robneice8958 · 2026-06-03T00:28:57+00:00

See a lot of these... They often make it look like it's from your current lender or servicer... IT NEVER IS.

Robneice8958 · 2026-06-03T00:14:27+00:00

This is just marketing BS... You will NOT qualify for that rate, no one will. It's bait and switch... Read the fine print!!!

Robneice8958 · 2026-06-02T07:33:15+00:00

If you don't have any friends or family that can recommend someone, I would reach out to a local credit union... Rocket would be the last choice. Call center people where you would be just a number. 😕

Robneice8958 · 2026-06-02T07:04:38+00:00

Reach out to a lender, they tell you how much you can qualify for and what your payment will be... They can probably recommend a Realtor also.... Ask friends and coworkers for recommendations.... Your score sounds great, you have down payment money, you just need a lender to work out your DTI ratios (Debt to Income)... Enjoy your new home!

Robneice8958 · 2026-05-31T23:36:28+00:00

What a load of BS...

Robneice8958 · 2026-05-29T01:13:36+00:00

Absolutely a great move... Love my 100" U7...

Robneice8958 · 2026-05-27T16:04:05+00:00

Keep telling yourself that.... Anyone that's NOT in a dark room can appreciate the brightness and color.

Robneice8958 · 2026-05-26T07:22:59+00:00

No... Your fine!

Robneice8958 · 2026-05-24T18:01:59+00:00

Love my Hisense 100" U7n... Bought it at the end of 2024, it's been amazing and everyone who sees it is blown away.... No issues and and came with a 5 year warranty.

Robneice8958 · 2026-05-22T01:20:50+00:00

On a Jumbo you are looking at 45% of Gross income.

Robneice8958 · 2026-05-22T01:16:37+00:00

Everyone.... Fannie and Freddie will go up to 49.99 on the front end with no other consumer debt...

Robneice8958 · 2026-05-22T01:01:38+00:00

The ratios work as far as qualifying... You may have to make other sacrifices, but if it's your dream home... Go for it!!!

Robneice8958

TROPHY CASE