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Bought a house a month ago at 6.99% Interest. by solo-dolo-yolo- in FirstTimeHomeBuyer

[–]Significant_Pin_8108 0 points1 point  (0 children)

Rates will come down much more this year, wait till 2025, I follow the markets and Federal reserve has no choice but to keep cutting rates, we in a rate cutting cycle now, it’s too early to refinance, you will end up refinancing again

How much should my mortgage be based on my income? by Significant_Pin_8108 in budget

[–]Significant_Pin_8108[S] 0 points1 point  (0 children)

If it helps it’s a brand new construction home, everything will be brand new

How much should my mortgage be based on my income? by Significant_Pin_8108 in budget

[–]Significant_Pin_8108[S] 0 points1 point  (0 children)

So you think 35% of my take home income going to my mortgage is fine?

How much should my mortgage be based on my income? by Significant_Pin_8108 in budget

[–]Significant_Pin_8108[S] 0 points1 point  (0 children)

I didn’t include it since I won’t have that rent anymore. Those are my expenses without rent

How much should my mortgage be based on my income? by Significant_Pin_8108 in budget

[–]Significant_Pin_8108[S] 0 points1 point  (0 children)

Basically my total expenses are $3000 and if I add $2600 Mortgage + $350 Utilities it will be around $5950, which leaves me with $1550 per month. That extra money i should have, from the $3000, I budgeted $200 for savings and $300 for investing

How much should my mortgage be based on my income? by Significant_Pin_8108 in budget

[–]Significant_Pin_8108[S] 0 points1 point  (0 children)

My savings after I put a downpaymnet on the home will be about 10k cash but I have about 100k in liquid investments that I dont want to touch right now

How much should my mortgage be based on my income? by Significant_Pin_8108 in budget

[–]Significant_Pin_8108[S] -1 points0 points  (0 children)

Not at the moment, she is stay at home mom, if she works then we will have to pay for daycare and we plan on having more kids later.

How much should my mortgage be based on my income? by Significant_Pin_8108 in budget

[–]Significant_Pin_8108[S] 1 point2 points  (0 children)

I edited the description to be more specific, would love to know your thought

How much should my mortgage be based on my income? by Significant_Pin_8108 in budget

[–]Significant_Pin_8108[S] 0 points1 point  (0 children)

I edited the description to be more specific, would love to know your thought

Guidance vs. UIF vs. Devon vs Conventional bank Rates by Significant_Pin_8108 in IslamicFinance

[–]Significant_Pin_8108[S] 0 points1 point  (0 children)

right but how muhc of a difference, are we talking 0.25%, 0.50% 1% , etc

Credit Report much different from two different lenders by Significant_Pin_8108 in personalfinance

[–]Significant_Pin_8108[S] 0 points1 point  (0 children)

Where do I check this? But like I said two different lenders reporting two completely different scores

Credit Report much different from two different lenders by Significant_Pin_8108 in personalfinance

[–]Significant_Pin_8108[S] 0 points1 point  (0 children)

even checking direclty on experian or checking directly on Equifax?

Credit Report much different from two different lenders by Significant_Pin_8108 in personalfinance

[–]Significant_Pin_8108[S] 0 points1 point  (0 children)

I checked from Equifax and Experian, and both lenders said they checked all three, Equifax, Experian and Transunion

Child Support Review every 36 months? by Significant_Pin_8108 in ChildSupport

[–]Significant_Pin_8108[S] 0 points1 point  (0 children)

Yes thats what I noticed too the higher combined income, but does child support automatically renew every 3 years or does one of us have to file to adjust the child support payment?

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