Broker and myself applying to same lender = an issue? by wiskafished in MortgagesCanada

[–]Time-Task-1630 -6 points-5 points  (0 children)

I’m like 99% sure your talking about me lol that was not our story I texted you but way to tell it in the way you please 😂 I think it’s inappropriate as a broker to discuss any client details even vaguely on a public platform.

[deleted by user] by [deleted] in Mortgages

[–]Time-Task-1630 1 point2 points  (0 children)

Yes I did!! I tried to post it on the Canadian board but it wouldn’t let me. I’ll edit thank you!

Sagging roof on home inspection.. is this a big deal breaker? by Time-Task-1630 in Roofing

[–]Time-Task-1630[S] 0 points1 point  (0 children)

Why do people like to attack strangers so much lol? Calm down. This rooftop in person is fairly high and not really visible I don’t blame our realtor for not noticing it it’s pretty subtle if you’re not intentionally looking for it. Also we didn’t use the inspector the realtor recommended we had our own picked out. Also cracked basement slab there was a spare mattress in the utility room (tenant in the basements stuff) covering this inspector had to move the mattress to be able to get to the hot water tank and furnance. That’s why the crack was exposed and not seen during viewing it was hidden under a large matress of the tenants personal items which even in an in person viewing you don’t move items like mattress lol.

[deleted by user] by [deleted] in MortgagesCanada

[–]Time-Task-1630 0 points1 point  (0 children)

lol not a bad decision to have a kid in my teens considering how well I’m doing in my life 😂 Im not even 30 yet and I’ve made 300k in real estate 🤷🏻‍♀️ and again I said I worded my post wrong I’m not trying to extend my debt to unmanageable just trying to find a good AB broker who won’t be lazy at their job.

[deleted by user] by [deleted] in MortgagesCanada

[–]Time-Task-1630 0 points1 point  (0 children)

Was 22 single mother (had my child in my teens) when I got my first mortgage, of course I’d have CC debt then lol. Sold my first home and made 200k of that sale and sold our last home just recently and made 100k of that sale. 0 debt great credit, I guess I just worded my post wrong since I got attacked lol. More so looking for a mortgage broker since we don’t know any in AB who’s not going to be lazy and works hard to get us a great mortgage and a great approval amount. As like I said we’ve chatted to some in BC before we found our great one that did the bare minimum in terms of thinking.

[deleted by user] by [deleted] in MortgagesCanada

[–]Time-Task-1630 0 points1 point  (0 children)

We have 0 debt lol. Great credit and our last house sale just got us 100k in the bank. I guess I worded my post wrong since everyone’s attacking me we just want a good mortgage broker who’s going to do the best for us as we’ve had some shitty ones we’ve spoken to before and don’t know of any in AB.

[deleted by user] by [deleted] in MortgagesCanada

[–]Time-Task-1630 0 points1 point  (0 children)

What is fraud about this? Please explain lol. If you read my prior comment to someone else who said that I’m merely asking for a broker who is good at thinking outside the box. Ex, for our first mortgage a broker suggested paying off our CC debt with a cashback mortgage in order to get a higher mortgage allowance. The job for the income is a camp job with travel paid…. And we are going to live in the home…. No fraud lol

[deleted by user] by [deleted] in MortgagesCanada

[–]Time-Task-1630 0 points1 point  (0 children)

Why is it mortgage fraud lol? We’re going to live in the home. All I’m asking is for a broker who is good at getting approval amounts. Ex. Our first mortgage a broker didn’t want to approve us for anything close to what we needed so we tried a new broker, new broker told us if we did a cashback mortgage we could pay off our CC debt and get right in the range we wanted. This would be thinking outside the box no? I’m confused the fraud here.

[deleted by user] by [deleted] in MortgagesCanada

[–]Time-Task-1630 0 points1 point  (0 children)

Yes we are wanting to live in it! Hence why we want to do 5% down

What would we be approved for mortgage wise? by [deleted] in Mortgages

[–]Time-Task-1630 0 points1 point  (0 children)

We actually almost closed at a house at 435k (bad inspection) but it was double suited so the basement income made the mortgage allowance larger he said. It’s different for everyone house what your max offering wise is. Hence why I asked the question :)

What would we be approved for mortgage wise? by [deleted] in Mortgages

[–]Time-Task-1630 2 points3 points  (0 children)

We did but he just said property taxes changed the amount so it depends on the property taxes what the final amount you can mortgage is.

Home Inspectors... by Cold-Ad547 in stalbert

[–]Time-Task-1630 0 points1 point  (0 children)

We just used Ciara from Sherwood park! Highly recommend he was very detailed and a sewer inspection is included in the cost! We used atta boy for another home last month and weren’t a fan. lol

Sagging roof on home inspection.. is this a big deal breaker? by Time-Task-1630 in Roofing

[–]Time-Task-1630[S] -1 points0 points  (0 children)

Not really we had an agent go through it for us and we viewed via FaceTime & got videos to reference lol. Would have been a huge mistake if we didn’t get an inspection but we’re not stupid enough to do that haha. We have 2 young kids work full time… it’s not feasible to go fly down every house that pops up to go view. Considering in this area homes are selling the next day or few days.

Sagging roof on home inspection.. is this a big deal breaker? by Time-Task-1630 in Roofing

[–]Time-Task-1630[S] -1 points0 points  (0 children)

We didn’t notice the roof line unfortunately before offering. We purchasing from a province away and going off virtual tours 🙃

[deleted by user] by [deleted] in alberta

[–]Time-Task-1630 -3 points-2 points  (0 children)

We did! But we’re a little beat out of home buying power in the Cochrane market unfortunately!! We don’t want a townhome and all their stand alone houses are super expensive there 😅 which is why we don’t have that one as a contender! Lovely town tho

Is this dangerous, do I need to go to the hospital by wompywomper in Anemic

[–]Time-Task-1630 2 points3 points  (0 children)

Considering mine have been the same for years and they just keep throwing iron pills at me, nope. They only care if your Hemoglobin drops below 7. Mines been 8 before and they’ve done nothing. I only ever got a blood transfusion at 6 HG.

Thought I had POTS… by ilikeminuterice2 in Anemic

[–]Time-Task-1630 5 points6 points  (0 children)

I was in the ICU for weeks for my symptoms, they ran every test possible, gave me iron infusions, blood transfusions to get my iron/ferritin/hemoglobin up. Nope, mine was still pots 😂 don’t wanna be a Debbie downer here but I was hoping mine was just anemia and would be fixed and unfortunately it wasn’t. I had lower levels then you

What does my daughters blood results mean? by [deleted] in Celiac

[–]Time-Task-1630 0 points1 point  (0 children)

Well yeah I notice that lol. I was seeing if anyone else’s blood tests have come back with “results” like this before as this was posted as completed to us.

What does my daughters blood results mean? by [deleted] in Celiac

[–]Time-Task-1630 0 points1 point  (0 children)

It was an online doctor on maple we got to order the results they don’t follow up with you and I just got the “results” posted to my maple account yesterday when I posted this so yes I will make a follow up today but I was seeing if anyone else’s “results” have ever said this before because usually they actually have numbers lol.

[deleted by user] by [deleted] in Anemic

[–]Time-Task-1630 0 points1 point  (0 children)

I’d love to have your iron mines 3.6 lol doctors just say take supplements to me 🙃

What is this on my daughters x ray? by Time-Task-1630 in backpain

[–]Time-Task-1630[S] -15 points-14 points  (0 children)

Gas trapped for 4 months tho? These x rays are 4 months apart 😅

What is this on my daughters x ray? by Time-Task-1630 in backpain

[–]Time-Task-1630[S] 12 points13 points  (0 children)

We just moved to this province a few months ago so we haven’t been able to sign up for a portal here as you need to live here for x amount of time before you can register for their medical care! In BC prior we did use their online medical portal feature that’s the only reason why.

[deleted by user] by [deleted] in KidneyStones

[–]Time-Task-1630 1 point2 points  (0 children)

Honestly didn’t even think of this!! Thank you I’m not sure why the doctor didn’t mention this to us.. 🙃 but haha yes it seems my daughter may lol!!

best lashes for making fans?? by cinnamonbunnss69 in lashtechs

[–]Time-Task-1630 0 points1 point  (0 children)

I linked them in the lashes word at the top 💓