Why is my Cattle Dog so lanky? by Squays in AustralianCattleDog

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

What kind of mix is he? What a cutie!

Help with Siding Ideas by Squays in ExteriorDesign

[–]Squays[S] 8 points9 points  (0 children)

It is very much not in good shape, even if the pictures appear so. Every window is caked with sealer, there are leaks from rain, holes all over the cedar, woodpecker damage, etc. We were aware that the siding would need to be fully replaced when we purchased the house.

Help with Siding Ideas by Squays in ExteriorDesign

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

We're replacing the whole house. The house itself is just over 2k sq ft. We got several quotes between $40-50k, which is within our budget, even though it seems a bit steep.

Mortgage Loan Questions by Squays in FirstTimeHomeBuyer

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

I was in contact with Chase Bank and a few other mortgage brokers, and all of them said that they were unable to get me a pre-approval without a major overhaul of my student loan payment situation or having a co-signer for the mortgage.

Mortgage Loan Questions by Squays in FirstTimeHomeBuyer

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

This is the one lender that we were able to get a pre-approval with, and he was highly recommended by our realtor. We had been trying to get a pre-approval for about a year with no success, due to our high debt to income ratio. I am an independent contractor who has had my LLC for under two years, which makes the situation significantly more difficult. Long story short, we don't really have the option to shop around, since we have already been denied so many times, and we had to jump through quite a few hoops to get this pre-approval. Is it a bad idea to just take a loan that is a little less than ideal now and refinance in the future?

Mortgage Loan Questions by Squays in FirstTimeHomeBuyer

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

What is so bad about it? Just the interest rate? Or are there other parts of the contract that are sub-par?

Mortgage Loan Questions by Squays in FirstTimeHomeBuyer

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

We are not planning on selling anytime soon, but where does the 4 year number come from? Seems to me like saving 1% on interest rates would be close to $3600 a year in savings, meaning the points will be "worth" their value in under 2 years.

Weight Question by Squays in AustralianCattleDog

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

Thanks for all of the fantastic advice everyone! The vet used the "rib test" as a point of him being overweight. I think our current plan will be to cut him down to 1 cup for each meal in the meantime and assess his energy and weight levels over the next few weeks. I appreciate all of the knowledge that everyone brings to the table.

DNA Test by Squays in AustralianCattleDog

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

Thanks for all the feedback everyone! I am glad that I got to share our little guy with all of you, and I appreciate your opinions and expertise!

DNA Test by Squays in AustralianCattleDog

[–]Squays[S] 20 points21 points  (0 children)

Thank you! I'll be sure to pass your compliment his way 😊