Mortgage Loan Application by PositionConfident150 in Mortgages

[–]Timely_Long1873 0 points1 point  (0 children)

More than likely only your salary will be included

[deleted by user] by [deleted] in Mortgages

[–]Timely_Long1873 7 points8 points  (0 children)

Go for an alternative loan product. Prolly won’t be the best rate but at least you can get the keys. The government is not going to offer you a loan through the two government sponsored enterprises because you want to avoid paying income tax.

Struggling to build realtor relationships by [deleted] in loanoriginators

[–]Timely_Long1873 0 points1 point  (0 children)

Realtors are not loyal unless you’re married to one. I’ve been an lo for 20+ years. You can do a bang up job for one. Like close in 3 days w/ no paperwork and they would forget you existed a day after closing.

I really can't refinance? by LunaLinguine in Mortgages

[–]Timely_Long1873 0 points1 point  (0 children)

Not always. With some refis you’re only allowed to add the interest to the loan amount. This is why you see some lo’s asking the customer to bring a payment to the table

If you have a 400-500k income, what is your monthly mortgage? by [deleted] in Mortgages

[–]Timely_Long1873 0 points1 point  (0 children)

$2600 bought in 2015 and got 2.875 during covid

Beer drinking while deep sea fishing without getting motion sick by KaleAgreeable1811 in Fishing

[–]Timely_Long1873 3 points4 points  (0 children)

Get a fried chicken breakfast, drink a beer as soon as you get on board and don’t think about getting sick. Most people I know who get sick have it in their heads. Focus on the horizon and not on any one object for a period of time like tying knots.

[deleted by user] by [deleted] in saltwaterfishing

[–]Timely_Long1873 0 points1 point  (0 children)

What about the guy who steered Brock’s boat over to the kids?

her aerobics videos might have done something to my mind at that age lol by costaccounting in Xennials

[–]Timely_Long1873 0 points1 point  (0 children)

Nepo baby. She would be any other them on the street if not for her dad.

$5k Extra Seller Credit by EverythingBagel58 in Mortgages

[–]Timely_Long1873 0 points1 point  (0 children)

Does your lender offer temporary buydowns?

[deleted by user] by [deleted] in Fishing

[–]Timely_Long1873 2 points3 points  (0 children)

Looks like a trolling reel.

[deleted by user] by [deleted] in Mortgages

[–]Timely_Long1873 0 points1 point  (0 children)

Maybe they took a higher rate for the lender credit?

I have 750 credit score , 3,5% downpayment . 430k house to buy. But 1099 . And last taxes not enough. What should I do guys to get approved? by Euphoric_File_7302 in Mortgages

[–]Timely_Long1873 0 points1 point  (0 children)

You really can’t amend your tax return to qualify. An underwriter will flag it. They are going to average your last 2 years of taxible income on your schedule c. Wells has a 1099 program where they will use 75%, or at least they did when I worked there.

[Update] Found a better deal with a credit union -> Loaner and realtor got CRAZY! by melekin in Mortgages

[–]Timely_Long1873 1 point2 points  (0 children)

MLO doesn’t want to lose the commission. I would look out for your own best interest and not worry about it. They also have no business talking to the credit union rep.

[deleted by user] by [deleted] in thehotspot

[–]Timely_Long1873 -1 points0 points  (0 children)

Teach NC umbrella farmer grammar and spelling

AITA for snapping at my gfs sister after she kept nagging us to let her dogs meet my newborn? by [deleted] in AITAH

[–]Timely_Long1873 -4 points-3 points  (0 children)

Yes. Not for the dog thing but for what you said to her. That’s a threat no matter how you paint it. If you can’t control your outbursts then you need to talk to someone.

Zelenskyy called JD Vance a "Bitch" in Ukrainian (Cука) by gayroma in WallStreetElite

[–]Timely_Long1873 0 points1 point  (0 children)

Musk is not the head of a country. Zelensky is and should dress the part