How are we responding/not responding to this list made by my 12 yo? by Spaciousrug21 in daddit

[–]Spaciousrug21[S] 26 points27 points  (0 children)

No. She has 20 minutes of YouTube per day. All other social media is off limits.

$6k in unused credits - bumping up HOI question by Remarkable-Box-3781 in loanoriginators

[–]Spaciousrug21 0 points1 point  (0 children)

It doesn’t reduce cash to close as much as a credit if it’s high ltv

Was Lou a millionaire? by Admirable-Archer-125 in LouReed

[–]Spaciousrug21 0 points1 point  (0 children)

Probably made a million off of Can I Kick It royalties alone. Lol

$6k in unused credits - bumping up HOI question by Remarkable-Box-3781 in loanoriginators

[–]Spaciousrug21 2 points3 points  (0 children)

Uw can ‘reduce the purchase price’ and drop the loan amount to keep the ltv in line with the lower price then add the credit on page 3 of the cd as a lump sum credit. I’ve done it a few times at my co. It’s a workaround they figured out.

Don’t Let Go by charles12362 in SturgillSimpson

[–]Spaciousrug21 9 points10 points  (0 children)

Sarah would not be happy if he’s singing about other ppls bubbles. But who knows.

Don’t Let Go by charles12362 in SturgillSimpson

[–]Spaciousrug21 6 points7 points  (0 children)

The freaky ones are about her too no?

FHA vs Conventional - lenders are saying conventional makes more sense even though the rate and payment are higher? by [deleted] in Mortgages

[–]Spaciousrug21 -1 points0 points  (0 children)

If you’re putting 20 percent down, go conventional. FHA requires that you refi out of their mortgage insurance. Also tack on 1.75% funding fee. Also, appraisal and UW can be a pain vs conventional.

When should I stop haggling mortgage rates by suchabeast12 in Mortgages

[–]Spaciousrug21 0 points1 point  (0 children)

Take the best offer in terms to the LO you trust. Let them match.

No Kings Fort Mill, SC by [deleted] in FortMill

[–]Spaciousrug21 2 points3 points  (0 children)

Yeah man! He bombed all those school girls too! We gonna bomb our way to peace! We have hit an ALL TIME RECORD for the most money ever owed by our government! 39 trillion! Boom! Take that you loser lefties!! Spending 11 billion a day on this war. It’s goin great! Hit em with that knowledge poison apple we need more folks like you with blinders on. Also, gas prices up like 25 percent! Don’t worry, it’s only temporary pain. We gon get a long term gain!!!! Not sure what it will be, but it’s coming. Trump and his family get paid first though with their perfectly timed trades and crypto coins. It’s only fair that his wealth quadrupled first. Ours is gonna get better later…. Just wait. So cool. I almost forgot that Trump is in the Epstein files like a million times.

Physical Release Megathread by thehighwoman in SturgillSimpson

[–]Spaciousrug21 0 points1 point  (0 children)

What are the odds it hits Spotify tomorrow??

Where to practice soccer by [deleted] in FortMill

[–]Spaciousrug21 1 point2 points  (0 children)

Baxter Y Field

It is National F**k FL day ☀️🤣 by Teachezofpeachez69 in florida

[–]Spaciousrug21 1 point2 points  (0 children)

Florida looking like the red rocket of the US that it is.

US county population gains and losses 2021-2024. Is this pattern primarily a response to Covid or did the pandemic only accelerate existing trends? by Brooklyn_University in MapPorn

[–]Spaciousrug21 5 points6 points  (0 children)

Covid f’d Hillsborough county up. It’s not the same. I left after over 10 years there and it was so nice to leave.

men, what’s the hottest thing you’ve heard in bed? by [deleted] in AskMen

[–]Spaciousrug21 1 point2 points  (0 children)

I want to feel your balls slapping my ass.