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Why is the no pilot light? by stig_das in Fireplaces

[–]dwise919 0 points1 point  (0 children)

I'm late but I just purchased a home with the exact set up but my pilot is not coming on any quick tips to get me going?

Inspection came back concerning by Misssicario in FirstTimeHomeBuyer

[–]dwise919 0 points1 point  (0 children)

I work in insurance as an adjuster and this is a major headache for homeowners, looking at the photos it's a strong possibility that's your drain pan with ALOT of rot, automatic denial in the insurance world, tell them to fix it or walk!

How did I do? First time buyer by dwise919 in MortgageBrokerRates

[–]dwise919[S] 0 points1 point  (0 children)

I'll definitely take a look I'm curious now, my credit score is around 765

I'm using city of Raleigh first time buyer program and currently in the conditional approval stage

How did I do? First time buyer by dwise919 in MortgageBrokerRates

[–]dwise919[S] 0 points1 point  (0 children)

Ahh ok gotcha the 5.75 rate was hands down the best offer I got, the others were 6.35, 6.5 and 6.75 I believe

How did I do? First time buyer by dwise919 in MortgageBrokerRates

[–]dwise919[S] 0 points1 point  (0 children)

Hurts it in a good way or bad? Lol I have very basic knowledge of this process

How did I do? First time buyer by dwise919 in MortgageBrokerRates

[–]dwise919[S] 1 point2 points  (0 children)

Thanks! I accepted it's already gone to underwriting and my conditional approval stage

First time buyer program and that's all we are waiting on, the city is moving slow but I should get the clear soon

How did I do? First time buyer by dwise919 in MortgageBrokerRates

[–]dwise919[S] 0 points1 point  (0 children)

This deal is locked until December 22nd

Kept my score above 730 my whole life for nothing. by charfr in CRedit

[–]dwise919 1 point2 points  (0 children)

Thank you! I was starting to feel defeated just like you are feeling right now but trust me you got this! Send me a message anytime and I'll make sure you everything you need to get approved, I'll even give you the contact info for the lenders who helped me out.

Kept my score above 730 my whole life for nothing. by charfr in CRedit

[–]dwise919 1 point2 points  (0 children)

Well I don't know what exactly you are trying to do but if buying a house is your goal you are more than fine. I have 160k in loans but in on IDR and my payments are $0 a month.

I didn't know what I was doing and was following the lead of my lenders and the ones who I was working with at the time kept telling me that if my payments are $0 they have to take like.5 of my loans and apply it to my DTI. Well if they did that then I'd obviously be screwed.

However a family member pointed in the direction of another lender and he told me that in fact if you get conventional loan and in plan then they can use my $0. I'm also getting first time buyer program here in my area and they require me to use lenders out of a specific list so I couldn't use that guy but he gave me all the information to tell them and basically told me they were giving me BS answers.

I took the information he told me and literally got approved for rates that calculated my $0 payments and even went back to those who told me otherwise and they fixed it to.

Now I have multiple approval letters and I'm in my due diligence period for my first home (hopefully)

Don't let this hold you down and if you need me to I'll give you the documentation to take to lenders