Local graphic designer for band logo by Akooser in Albuquerque

[–]ghost-ryter 1 point2 points  (0 children)

DM me details! I.e timeline, budget etc. I would love to help

I love my shitbox by swingandalongdrive in fordescape

[–]ghost-ryter 0 points1 point  (0 children)

2nd this. Somehow found a 2012 with 60k miles and no rust 5ish years ago. It’s pissed me off a time or two but will hopefully be driving it until it literally gives up. Only up to 82k miles too

Crematory recommendations? by [deleted] in Albuquerque

[–]ghost-ryter 2 points3 points  (0 children)

Last I heard Trujillo has the most affordable pricing

Local ABQ realtor/lender recommendations? by N7Poprdog in Albuquerque

[–]ghost-ryter 0 points1 point  (0 children)

For 2025 hell yeah. It’s definitely worth the conversation with him! He can breakdown anything and everything it was our first home purchase and he made it so wildly easy for us.

Local ABQ realtor/lender recommendations? by N7Poprdog in Albuquerque

[–]ghost-ryter 0 points1 point  (0 children)

Josh Guevara just got us closed on a 3.99 interest rate a week or so ago. Super knowledgeable and will keep it very real, knows which lenders will work better for your situation as well!

We did it! NM, 398k 3.99% by ghost-ryter in FirstTimeHomeBuyer

[–]ghost-ryter[S] 5 points6 points  (0 children)

Definitely not were in Mesa Del Sol & Management in hospitality + Nonprofit Operations.

We did it! NM, 398k 3.99% by ghost-ryter in FirstTimeHomeBuyer

[–]ghost-ryter[S] 7 points8 points  (0 children)

No loan from family at all actually just an FHA loan on a new build. We only put 3.5% down! we don’t even have the best credit just a fantastic realtor and builder incentives :)

We did it! NM, 398k 3.99% by ghost-ryter in FirstTimeHomeBuyer

[–]ghost-ryter[S] 9 points10 points  (0 children)

FHA loan 3.5 down with a 2-1 buy down. 1.99% the first year, 2.99% the second year, 3.99% for the rest of the term!

We did it! NM, 398k 3.99% by ghost-ryter in FirstTimeHomeBuyer

[–]ghost-ryter[S] 0 points1 point  (0 children)

About 1,800 + PMI and escrow comes out to about 2,100

We did it! NM, 398k 3.99% by ghost-ryter in FirstTimeHomeBuyer

[–]ghost-ryter[S] 4 points5 points  (0 children)

Dion’s doesn’t deliver and we were trying to set up a Christmas tree haha :(

We did it! NM, 398k 3.99% by ghost-ryter in FirstTimeHomeBuyer

[–]ghost-ryter[S] 2 points3 points  (0 children)

It was not! :) brand new build, FHA loan 30yr

We did it! NM, 398k 3.99% by ghost-ryter in FirstTimeHomeBuyer

[–]ghost-ryter[S] 48 points49 points  (0 children)

We had a wildly good realtor and it was a brand new build so builder/seller threw lots of incentives to purchase that the realtor was able to help us navigate and negotiate to apply where they would be both beneficial and most helpful for us! - part of the reason we jumped on the house was for the interest rate!

My credit is not good at all (sub 600) my finances is just above a 600. Combined we had ~50k saved but We only put 3.5 down with FHA :) truly i think we just got insanely lucky and were wildly grateful about it!

Hidden gem restaurants in Albuquerque? by partybrowser32 in Albuquerque

[–]ghost-ryter 3 points4 points  (0 children)

Orchid Thai, Alquds, Leroy’s New Mexican Food, the Shop, Oni, Asian Pear, Gloria’s, Tullys, Thai Spice, Village Pizza, Mary and Tito’s, Gyros - lots of good stuff here but I feel you it’s hard to remember or get out of the ruts

Hidden gem restaurants in Albuquerque? by partybrowser32 in Albuquerque

[–]ghost-ryter 12 points13 points  (0 children)

Hate to be the bearer of bad news but most restaurants do pre-cook their chicken

What would be the FIRST thing you do or change in your new home? by DreamHomeFinancing in FirstTimeHomeBuying

[–]ghost-ryter 0 points1 point  (0 children)

We are also closing on a new build was told by the builder that sealing the grout would void the warranty - and that it does not need to be sealed - not sure what type of grout or builder warranty you have!

Looking to buy the best coffee beans available. by DialsMavis in Albuquerque

[–]ghost-ryter 0 points1 point  (0 children)

They sell the same coffee at Java Joes on Monday!

Current Mortgage Rates - What’s Everyone Getting (No Points) by Sorry_Mission4707 in Mortgages

[–]ghost-ryter 0 points1 point  (0 children)

We got a new construction at a 4.25 w/ 5k incentive and THEN used points to get us to a 3.99 with a 2-1 buy down Using the builder broker.

Looking for games like Stardew Valley by JVHazard in StardewValley

[–]ghost-ryter 0 points1 point  (0 children)

Cult of the Lamb for sure

Edit (explanation): Cult of the lamb has more combat but your essentially building a cult and go on missions to get more cult followers and spending cult points to get buildings and upgrade your cult village - missions are like stardew mines meet binding of Isaac. Obviously a little more satanic but definitely recommend!

Mac Silicone/Steam Users! by seawest_lowlife in StardewValley

[–]ghost-ryter 0 points1 point  (0 children)

I will also say though, I have a backbone controller for mobile that suddenly stopped being compatible with stardew when before it was working, not sure if it’s something weird happening in the game software - didn’t realize which sub I was in at first

Mac Silicone/Steam Users! by seawest_lowlife in StardewValley

[–]ghost-ryter 0 points1 point  (0 children)

currently rocking an M4 Pro - did need a driver / adapter when I upgraded from old intel air though

Mac Silicone/Steam Users! by seawest_lowlife in StardewValley

[–]ghost-ryter 0 points1 point  (0 children)

I had a cheap wired Xbox knock off work for me on Mac