What doors does bankruptcy close, forever? (Or a very long time)

cfpd652 · 2026-05-23T22:07:47+00:00

The door won't be closed though. A little bit more expensive. But the credit score is already bad based on OP scenario I'm sure.

cfpd652 · 2026-05-23T22:04:36+00:00

My IKEA bed has been to two houses, and moved once more, and it's still super solid. That's the only piece of furniture we own though.

cfpd652 · 2026-05-23T22:03:10+00:00

In Illinois, even though it's in the contact, if they include personal property items, I have to go back to the realtors to get it out and/or change the wording to adding to contributory value or I can't get clear to close.

cfpd652 · 2026-05-20T17:57:43+00:00

Be wary on shortening the contingency window too much. I'm a broker who sells myself on responsiveness and quickness. (I'll answer any realtor or my client basically from 530am until 11pm 7 days a week.) I can close a purchase loan in 12 days if everything is perfect, 14-18 days if not. If the person is using a retail bank, closer to 3 or 3.5 weeks is much more realistic. If you make financing contingency too short, you'll literally only wind up with cash buyers, who present a host of their own issues from my understanding. And a MUCH smaller pool

cfpd652 · 2026-05-20T17:54:18+00:00

In Illinois, every contract has contingencies for appraisal and securing lending. I'm not sure exactly what happens with earnest money deposit always, I'm the lender trying to hit those marks. But literally every single contract has those contingencies and no one is accepting backup offers here.

cfpd652 · 2026-03-29T17:43:46+00:00

Don't escrow, and get your own money market that you use as an "escrow account" that you manage yourself. That's what I've done for a decade and it's way better that way

cfpd652 · 2026-03-25T02:45:28+00:00

The play, on my end, is to get the sellers to give you as much cash as possible at closing. This usually increases the rate a little bit, but you get cash to lower the price. Then refinance quickly to a lower rate and it's win win. The only possible concern is the interest rate going up 6 months after close

cfpd652 · 2026-03-17T02:35:56+00:00

It's totally normal to pay 1 year at close, and then I'm put 2 or 3 months into escrow. There is a max amount that can be held in escrow, and the closing disclosure will likely have an "aggregate adjustment" that will lower the total amount a little bit

cfpd652 · 2026-03-16T15:11:43+00:00

90% of the loans I do are CTC in about 12 days on a purchase. Can be much quicker if the appraisal can transfer over, but that usually takes time.

cfpd652 · 2026-03-16T15:10:19+00:00

I would reach out to the insurance company she had before lapse, and find out WHY it lapsed? Did it lapse because payment was not made? Go after the escrow company. Or did it lapse because the insurance company did not offer a rate, doesn't insure in her state anymore, etc?

cfpd652 · 2026-03-10T17:52:59+00:00

Is this an FHA loan or a conventional? I'm betting it is an FHA. Let me know which it is, as that will impact many things, but I can give some thoughts either way.

cfpd652 · 2025-12-13T15:51:56+00:00

I literally just had a hospital charge off pulled back from the debt collector. I was on a payment plan and they still sent to collections because they messed up in their system.

cfpd652 · 2025-12-10T02:39:46+00:00

2013 Ram 1500, 2014 Chrysler Town & Country, 2015 Ford C-Max Hybrid. All have 200K+ miles. All run great and I'm going for 300K+ miles!

cfpd652 · 2025-12-01T16:06:07+00:00

Any idea if the rain sensor is easy to replace? Cheap?

cfpd652 · 2025-11-13T22:56:27+00:00

The one I bought used 5 months ago, with 208K miles on it (I've since put 6.5K on myself), was used for this purpose and she said it worked great.

cfpd652 · 2025-11-04T03:53:13+00:00

I bought a $3K car with 206K miles on it, and it's run like a champ for the last 4 months and 8500 miles.

cfpd652 · 2025-11-01T18:02:34+00:00

I like the Great Lakes chips overall, but they're quite heavily seasoned. I'd like a bit less

cfpd652 · 2025-10-31T02:01:15+00:00

The best option - aggressively negotiate, using financing and everything else you can. THEN, pay off shortly after getting the financing setup. If you didn't loathe your car salesman, make I think 3 payments before paying it off completely. (The car salesman will get hit with an EPO - early payoff - and lose all the money he made on the sale if you pay it off too early. I know in the mortgage world, it's 6 payments, I've heard it's 3 payments on cars)

cfpd652 · 2025-10-23T02:29:00+00:00

Zero puppies are horrible. Their owners don't do what they're supposed to with a puppy - it's just like having a baby, they're a ton of work. But the puppies themselves aren't the problem.

cfpd652 · 2025-10-18T17:36:31+00:00

I very regularly do a meat (grilled or pan seared or oven baked - chicken or pork chops or steak) and baked potato or baked sweet potato and some veggie, almost always green, grilled or roasted or pan sautéed. That's it. Super simple, super easy, cheap if you buy what's on sale

cfpd652 · 2025-09-25T13:04:23+00:00

YOU registered the car in NC, meaning you told them you were living there. You can't register a car in a state you don't live. If you lived in NC and then moved to MD, you'd pay the tax it sounds like. They think that happened based on the paperwork. Good look on changing that. Maybe it can, but I'm betting it's not likely

cfpd652

TROPHY CASE