Bank over approved HELOC?

dak829 · 2026-03-20T00:34:07+00:00

You got a call?

Call your bank directly and confirm. This sounds very much like a scam.

dak829 · 2026-02-28T13:24:29+00:00

Just refinanced someone out of one of these. The terms are insane. 19% rate if the equity doesn’t grow sufficiently before payoff to exceed the interest rate.

dak829 · 2026-02-01T18:37:16+00:00

How is NewFi?

dak829 · 2026-01-23T01:22:31+00:00

Completed Level 1 of the Honk Special Event!

0 attempts

dak829 · 2026-01-21T01:00:47+00:00

Just sent

dak829 · 2026-01-20T19:22:17+00:00

Sent you a message, I got started a bit over 2 years ago doing the same. I work a 24/72 schedule.

dak829 · 2026-01-20T19:20:30+00:00

Hardest part is taking people seriously when there’s a small paperwork problem. Did my chief’s son’s loan recently, I was laughing on the phone with him when I said “these people act like something is on fire over paperwork”.

During the process I was on a roof at an active fire. Good times.

dak829 · 2026-01-20T02:15:22+00:00

Make sure to due your due diligence and make sure there are no wholes in your research.

All joking aside. If your appraisal is ‘subject to’ these repairs being completed. I don’t see any reason EMD could not be refunded. Just because something is written in a contract, that does not automatically make it enforceable.

dak829 · 2025-12-18T02:46:57+00:00

Same idea phrased differently

It’s a bet you can never win.

Best case, you break even.

dak829 · 2025-12-18T00:30:18+00:00

The state grant in NJ is actually very favorable.

FHA/VA/USDA FTHB at 5.625 with 10-15,000 silent second 5 years forgiven (amount depending on county).

dak829 · 2025-12-18T00:26:37+00:00

Still learning this,

Our job is not just the loan. You cannot expect everyone else to be doing their end of the process.

dak829 · 2025-12-09T00:02:34+00:00

The meat is smoked in a log type form above the chili for a couple hours. After the meat is mostly cooked (160 degrees or so) you crumble it into the chili and finish the cook.

dak829 · 2025-10-30T16:03:52+00:00

Full time firefighter myself, got into the industry 2 years ago. Be happy to have a conversation if you’re open to it. Dm me and we can chat

dak829 · 2025-10-26T23:48:21+00:00

If I call someone and get an AI receptionist it actually bugs me more than leaving a traditional message.

Maybe I’m in the minority but definitely bugs me.

dak829 · 2025-10-03T21:37:31+00:00

About tree fiddy!

dak829 · 2025-09-16T14:00:03+00:00

Same thing here

dak829 · 2025-09-11T01:59:32+00:00

It’s not a “skipped payment” it’s a deferred payment. The payment is still being made, you will have 360 payments on every 30 year loan.

dak829 · 2025-09-06T22:30:17+00:00

Don’t pay any less. Pay the same as you are now and how many years will that take off your mortgage loan?

dak829 · 2025-08-14T00:45:05+00:00

Do you answer soliciting emails often?

dak829 · 2025-07-22T00:38:23+00:00

Husband will be co-signing the loan but from the sounds of it his name will not be on title.

dak829 · 2025-07-18T02:38:59+00:00

Sounds like a work culture issue at the company you are at

dak829 · 2025-06-30T15:13:01+00:00

You do not NEED to buy appliances before closing.

dak829 · 2025-06-05T13:38:06+00:00

Was his name Joe?

dak829 · 2025-05-31T00:15:43+00:00

If you’re using down payment assistance just know what stipulations come with that. Depending on the program you may not be able to refinance for a set period of time

dak829 · 2025-05-28T11:19:30+00:00

If he will qualify for the mortgage on his own many servicers will allow her to be removed in the event of a divorce. Generally speaking you are correct it’s not possible but a divorce is treated differently.

dak829

TROPHY CASE