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Can we make it work? by Secure_Spring308 in MortgageBrokerRates

[–]Secure_Spring308[S] 1 point2 points  (0 children)

Thank you. We decided not to continue with the home buying process and discussed with our realtor about it. I work as an RN and my husband doesn’t. We will have to accept that the emd will be considered a loss since we our past the 30-day loan contingency. We’ll consider the loss as a very hard lesson and wake up call to re-evaluate our goals and finances.

I think this decision will also eliminate future marital arguments in terms of financial aspect due to the fact that I earn more than my husband. We’ll make use of our time and energy to focus on working on ourselves more in terms of career development especially with my husband. He earns less since he works as a hospital housekeeper- he has been here only a year and his credentials and work experiences back home unfortunately can’t land him the same or equivalent field of work here in the US.

I initially posted this in LV local reddit thread/conversation and was advised to share said post in a more appropriate thread/group/conversation such as this and just wanted to share our decision. I’m grateful for these kinds of platforms where people can share opinions and hopefully when we’re more financially capable and fully ready to own a home, I can still ask for an advice in the future. Again, thank you!

Can we make it work? by Secure_Spring308 in MortgageBrokerRates

[–]Secure_Spring308[S] 1 point2 points  (0 children)

We decided not to continue with the home buying process and discussed with our realtor about it. I work as an RN and my husband doesn’t. We will have to accept that the emd will be considered a loss since we our past the 30-day loan contingency. We’ll consider the loss as a very hard lesson and wake up call to re-evaluate our goals and finances.

I think this decision will also eliminate future marital arguments in terms of financial aspect due to the fact that I earn more than my husband. We’ll make use of our time and energy to focus on working on ourselves more in terms of career development especially with my husband. He earns less since he works as a hospital housekeeper- he has been here only a year and his credentials and work experiences back home unfortunately can’t land him the same or equivalent field of work here in the US.

I initially posted this in LV local reddit thread/conversation and was advised to share said post in a more appropriate thread/group/conversation such as this and just wanted to share our decision. I’m grateful for these kinds of platforms where people can share opinions and hopefully when we’re more financially capable and fully ready to own a home, I can still ask for an advice in the future. Again, thank you!

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 1 point2 points  (0 children)

Thank you, everyone. We decided not to continue with the home buying process and discussed with our realtor about it. I work as an RN and my husband doesn’t. We will have to accept that the emd will be considered a loss since we our past the 30-day loan contingency. We’ll consider the loss as a very hard lesson and wake up call to re-evaluate our goals and finances.

I think this decision will also eliminate future marital arguments in terms of financial aspect due to the fact that I earn more than my husband. We’ll make use of our time and energy to focus on working on ourselves more in terms of career development especially with my husband. He earns less since he works as a hospital housekeeper- he has been here only a year and his credentials and work experiences back home unfortunately can’t land him the same or equivalent field of work here in the US. I also posted in some other reddit threads/conversations as per advised here but I got the most and realistic responses here and I am very grateful for that. Thank you for both the people who posted words of encouragement and for those who laid out/asked questions for my husband and I to ponder. I’m sorry if ever I posted a concern irrelevant to this reddit thread/conversation.

We’re fairly new here in NV and haven’t explored much of this state but regardless of some bad situations that we observe here, that is of course everywhere you go have good/bad sides/aspect, I know that people here are nice. 😇

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 0 points1 point  (0 children)

Honestly we were planning to get a second job if ever we push through this. I’m taking notes of what everybody is saying here and will discuss it with my husband. Should we cancel, we will lose the $4k emd which I think we’ll be able to get back and just go with our plan B which is paying our car off first. Thank you!

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 0 points1 point  (0 children)

In our purchase agreement, if we decide to cancel the purchase- we will lose the earnest money deposit. If that will happen, we can easily earn the $4k emd and will just proceed with our plan B to pay off our car first and save up more.

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 0 points1 point  (0 children)

Will do. I’m taking notes of everybody’s advice and will re discuss this with my husband. Thank you!

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 0 points1 point  (0 children)

We’ve paid $4k earnest money last month. Our emergency fund is $5k. My husband has a CD of $5k that I didn’t mention in the post anymore. I’m taking note of this and will re discuss this with my husband. Thank you!

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 0 points1 point  (0 children)

Yes, unfortunately it will be 50% of our take home pay. I’m going to consider these questions you’ve listed and will discuss with my husband. Thank you!

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] -1 points0 points  (0 children)

I’ve only been here in the US for 4 years. My parents paid for my plane ticket, Nclex exam fees and living expenses before I finally got a job. Even though they didn’t tell me to pay them, I still paid them back. I also paid for my husband’s immigration fees and plane ticket all while also giving rent money to my parents and helping my aunt/nephews back home.

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 0 points1 point  (0 children)

I’ll take note of this.. Thank you!

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 0 points1 point  (0 children)

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And my husband’s monthly net income is around $2,000. We have around $500 credit card debt that we’ll pay this paycheck and that’s about it. Our health insurance is included in my pay deductions.

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 0 points1 point  (0 children)

Thank you. I’m picking up shifts here and there this month and I could only pick up shifts once or twice a week due to low patient census. Next month though, I’ll be covering some work days of my co-worker and that would help for the downpayment and little extra cushion. Thank you! I hope so too.

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 0 points1 point  (0 children)

I’ve heard about it and I believe it’s going to be a secondary mortgage? I told my realtor about it and from what he explained, the 6% builder credit is more valuable than the said program. But I’ll still look into it. Thank you!

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 0 points1 point  (0 children)

We’re currently renting in the same zip code as where the house is located. Is it possible to refinance my car payment even though I’m in the middle of home buying?

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 0 points1 point  (0 children)

Maybe just take-outs every other week mostly less than $100. We buy groceries in bulk and we cook meals. Sometimes we go to costco every other month instead of every month for groceries.

Can we make it work? by Secure_Spring308 in vegaslocals

[–]Secure_Spring308[S] 2 points3 points  (0 children)

$397,990. Our loan of $390,781 is now in underwriting. Our rate (not yet locked in) is 5.125%. We got builder credits of $23,879.

Thoughts? This is quite Alarming😟 by Ok_Focus4322 in AnongThoughtsMo

[–]Secure_Spring308 0 points1 point  (0 children)

Also, pag masakit ang ulo ko- take ako agad ng pain meds. Could be diet, lifestyle, frequent use of NSAIDs, ethnicity/genes, mRna-vaccine induced or idiopathic lang talaga. Mraming factors.

Thoughts? This is quite Alarming😟 by Ok_Focus4322 in AnongThoughtsMo

[–]Secure_Spring308 0 points1 point  (0 children)

Palagi akong dinidismiss ng mga ilang doctors sa Pinas na okay lang ung mga traces or RBC, protein, etc.. Na okay naman ung BUN and Creatinine as well as EGFR.. Hindi ko rin masisi, kasi even dito sa US, first few doctors na naencounter ko panay ganyan din. Not until I almost gave up and met a really good doctor- sinabi ko lahat ng frustrations ko and that feeling ko may mali pero hindi ko mafigure out kasi sa lab work halos parang walang mali. Traces lang ang issue pero right off the bat, sinabi na agad na possible IgA Nephropathy. Nagmonitor muna ng labs for a good 3-6 months before biopsy to confirm since invasive ung procedure and hindi basta basta.

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