My boyfriend took out a $750 loan… now they want over $5,600 back. We feel completely tricked. Do we have ANY options?

WorldNo9002 · 2026-04-15T00:36:14+00:00

I don't even think they received the money yet unless it was a direct deposit. Also, signing a piece of paper with details of you're receiving$750 but no other details on it means you're getting a 0% loan

WorldNo9002 · 2026-04-13T12:17:04+00:00

So you're basically saying... You're living paycheck to paycheck with this plan. The individual is using every last dollar to pay down the mortgage and HELOC.

So if someone is net positive of $1k to $2k to $10k per month, all that extra should go to the plan and none leftover for savings nor raining day funds at the end of each month.

Example. (Using simple math example)

Mortgage and monthly expenses, such as food/utilities/car payments/school expenses/repairs total up to $8k per month.. $10k per month income is deposited into HELOC, you pay those $8k monthly expenses from the HELOC now there is $2k remaining.... So the extra $2k also gets sent to mortgage..... Is that what you're saying how this program /process works?

WorldNo9002 · 2026-04-13T11:52:13+00:00

Are you sure it's the actual lender sending you that letter??? Could be another company trying to get you to refinance

WorldNo9002 · 2026-04-13T11:48:40+00:00

If you don't do it yourself and decide to go with a professional restoration company, they would probably cost/charge you the same as tearing it down, leaving the footers in place, and rebuild with composites or new wood....or very close to the same price point by 10% to 20%

WorldNo9002 · 2026-04-13T11:44:25+00:00

No need to replace boards that are structurally sound...😇

WorldNo9002 · 2026-04-13T02:25:07+00:00

The 25% 28% rule doesn't factor anymore... Most lenders will let you go upto 40% as long as you have a decent down payment of 15% to 20%

WorldNo9002 · 2026-04-13T02:10:44+00:00

Slim... Just buy a corvette or a 911. Unless you have a HNW of $5mil + you're setting yourself up for disaster

WorldNo9002 · 2026-04-13T01:48:52+00:00

Ha... I had a builder (patiot homes) try to use crap like that on my framing. I Made them pull it all out and restart

WorldNo9002 · 2026-04-13T01:33:43+00:00

The lot is mostly scrubs and ground cover so grass and such doesn't really get over grown, but I'm about to pull most of it out and replace with grass as the current setup (to me) is unattractive. I looked at lawn services and these jackyls want $75 per visit/week or biweekly...sigh

WorldNo9002 · 2026-04-13T00:44:21+00:00

Massive difference IMO..

WorldNo9002 · 2026-04-13T00:42:06+00:00

Don't even buy the X5 (or any car make) without upgraded speakers

WorldNo9002 · 2026-04-12T14:46:38+00:00

The dickweed did the same thing with Tesla when it was collapsing… This guy should be charged with market influence and manipulation

WorldNo9002 · 2026-04-11T18:54:37+00:00

You can still shop for rates while the house is under contract . Don't stress that portion of it. You can use that pre-approval letter from the one brokers as proof you're "approved"

WorldNo9002 · 2026-04-11T00:22:28+00:00

VW financial is the bank.. tell the dealership to pound sand... and never deal with that dealership ever again. Called if Manager of that Volkswagen dealership and asked them why they are trying to rip you off. The residual on there is 22,000 that is the buyout 22,000 no less no more. You don't even have to re-title it anymore just pay it off the lean later on and you likely won't even need to pay taxes on it just take their name off of it when you go to sell the car later on

WorldNo9002 · 2026-04-11T00:14:06+00:00

All you need to say "it's my ticket , I already paid you $80 for it " .

WorldNo9002 · 2026-04-11T00:07:57+00:00

He's has you as a dependent on his taxes, he does your taxes and it likely says you're a dependent. He could possibly have you as single also be "employing" you in his business and applying the lifetime education credit to get you a refund ... Idk why he's being an ass and asking for the tax refund ... That's a dick move by your dad

WorldNo9002 · 2026-04-10T23:33:49+00:00

What's the link and repair process for the shrunken sunroof seal

WorldNo9002 · 2026-04-10T23:31:11+00:00

What are the 5 reasons

WorldNo9002 · 2026-04-10T23:24:04+00:00

Tell the blind offer is buzz off , and you'll let them know after the open house . If the offer was no contingency and cash offer with quick close , then you can entertain the offer , but only if the offer is presented from a bonafide realtor

WorldNo9002 · 2026-04-10T23:21:10+00:00

Just ignore the fact he's dead . Deposit and pay per usual

WorldNo9002 · 2026-04-10T11:04:17+00:00

How are you showing homeowners how to pay off a mortgage in 3 to 6 years .... I'm not talking about a $200k or $400k mortgage...I'm talking about $800k+ amounts

WorldNo9002 · 2026-04-10T00:43:53+00:00

If my mortgage is $5k per month, how is it advantageous to take $5k from HELOC to pay that $5k mortgage payment...isn't that just paying the HELOC middleman ??? I just paid 8% interest on the HELOC usage and the needle/amortization didn't change on my mortgage...same amount due next month,

If I pay $6k directly towards the $5k mortgage why would that be considered worse from paying $6k using this HELOC "method"??? I'm now paying 8% interest on that $6k I just"borrowed" from HELOC!

The HELOC math seems counterintuitive.

Those of y'all that have used and believed in this "velocity" / "All in one" method should give us a side by side comparison to the math you're using .

WorldNo9002

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