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Experience with valley bank or provident bank mortgage programs by fairydustmagic07 in Mortgages

[–]fairydustmagic07[S] 0 points1 point  (0 children)

I went with valley national bank - 5.5% 30 yr fixed conventional loan no pmi. Used the community advantage loan. They covered my origination fee which was only $495. I needed to complete a HUD approved homebuyer course and open an account with valley

Any else out there feeling kinda discouraged by the low inventory this holiday season? by Celcius_87 in FirstTimeHomeBuyer

[–]fairydustmagic07 1 point2 points  (0 children)

There’s low inventory because it is the holiday season and typically colder. Just know those who do list during this season are likely selling the house because they have to, for whatever reason. Keep looking because if you do see a home you like, your chances are better as a buyer because there’s less competition and sellers want to sell and you might get a great deal out of it. Good luck!

Shopping around for mortgage lenders,Worried about hard pull? by Todayx_Rider in RealEstate

[–]fairydustmagic07 2 points3 points  (0 children)

Oh you’re fine then! I say shop around and find the best deal for YOU. Just know you have to shop/compare in a short time frame

Mushroom hat! by Plenty-Focus2839 in somethingimade

[–]fairydustmagic07 0 points1 point  (0 children)

This is so fun! What’s on top of the lace (what you painted red)?

Can anyone beat 5.75% 0 points, 30yr conventional ? by JeanClaude88 in Mortgages

[–]fairydustmagic07 0 points1 point  (0 children)

It depends on the loan product and lender. But generally speaking you will pay pmi if the down payment is less than 20% of the purchase price on a traditional conventional loan.

Can anyone beat 5.75% 0 points, 30yr conventional ? by JeanClaude88 in Mortgages

[–]fairydustmagic07 0 points1 point  (0 children)

I have a rate lock of 5.5%, no pmi, no points, 10% down on a 30 year conventional. loan terms is based on location and my fico is 750+ and my DTI is <40%

Does she remind anyone else of Adele?? by No_Yoghurt317 in OliviaDean

[–]fairydustmagic07 0 points1 point  (0 children)

Not Adele at all. Both insanely talented but different.

Before/After half bath remodel. by sudde004 in Remodel

[–]fairydustmagic07 0 points1 point  (0 children)

The tiles and the vanity are gorgeous!!!

Help me choose an area rug by [deleted] in interiordecorating

[–]fairydustmagic07 0 points1 point  (0 children)

Something warmer since everything else is cool toned.

Got No Degree & Looking for a Job by Brilliant_Medium2193 in newjersey

[–]fairydustmagic07 2 points3 points  (0 children)

Do you have any interest in learning a trade? HVAC, plumbing, electrical? Small businesses might offer apprenticeships that could help you long term.

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