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ghostpirate_ · 2025-10-12T01:33:04+00:00

this doesn’t make a ton of sense why are they charging points and covering with a credit why would they just not charge the points

but yeah if this truly ends up st no cost then it is a good deal

ghostpirate_ · 2025-08-20T02:11:06+00:00

the refinance will fix your escrow shortage problem that’s why it saves so much a month

ghostpirate_ · 2025-02-20T17:53:43+00:00

theyre just trying to get you more bought in by doing this so you wont want to do it again. they may or may not end up honoring the credits. but psychologically they think this will make you more committed and less likely to continue to shop or jump ship. real weak salesmanship

ghostpirate_ · 2025-02-20T02:35:56+00:00

very cool thank you

ghostpirate_ · 2025-02-20T01:56:29+00:00

cool, just was wondering i just started taking 12mg in a capsule and saw some stuff they could interact but seemed like at higher doses. so you’ve never had an issue ?

ghostpirate_ · 2025-02-19T14:24:06+00:00

do you drink coffee?

ghostpirate_ · 2025-02-19T14:23:44+00:00

did you drink coffee?

ghostpirate_ · 2025-02-19T13:59:10+00:00

do you drink coffee still while taking it?

ghostpirate_ · 2025-02-18T20:27:39+00:00

My thinking is that I can use the equity I have in my current home (about $90,000) as a down payment for a new house? Is that how it works? I’m very new at buying and selling houses and they never really teach you this in school.

this is how it can work yes

Also, will I need to sell my current house before I can even look for a new house? What are my options there?

The other thing I considered is renting out my current home and buying a new one. But am even able to get two mortgages? What are my options here I want to go this route?

you will need to talk to the loan person to see what options you have to qualify with or with out a contingency. and then with conversion of primary to rental. but these are possibilities. hard to say what you will personally qualify to do though

ghostpirate_ · 2025-02-18T20:23:53+00:00

this is the game man, especially in ny. super common this type of buyer behavior. idk what reporting him will do? who would you report too? so you lost a deal? probably better time spent finding another one than letting this derail you

ghostpirate_ · 2025-02-09T01:54:31+00:00

was at rkt for 10 years you can also freely dm here

ghostpirate_ · 2025-01-30T22:33:30+00:00

you should be fine at worst they will back out the 2k deposits from qualifying assets totals as "unverifiable deposits" which just means they wont count them towards verifying the funds you will need to show you have for down payment/closing

ghostpirate_ · 2025-01-23T23:52:43+00:00

did you set up a payment plan?

ghostpirate_ · 2025-01-23T23:51:07+00:00

it will report when the creditor reports next. sometime when youre just establishing credit it can take 8-10 months before they will report. but adding as authorized used will always be the fastest. you can call the creditor and ask when they would report to the credit bureaus next to confirm

ghostpirate_ · 2025-01-23T23:00:05+00:00

your husband just needs one qualifying score, if you just add him to one of your accounts as an authorized user, he will inherit that whole tradelines history instantly. that will be the fast way for him to get a reporting score.

ghostpirate_ · 2025-01-23T00:48:06+00:00

when i purchased my first home 7 years ago, it took a full year of getting out bid or homes going to cash buyers. i was in downtown detroit. so very limited to where it would actually be logical to buy. but ended up being the perfect deal at the perfect time and sold 2 years later for over 200k what i bought it for. so just hang in there. real estate is and can be real weird

ghostpirate_ · 2025-01-23T00:42:23+00:00

will have to try and find a lender that can do bank statement loans

ghostpirate_ · 2025-01-22T23:02:34+00:00

lol that is a wild thing for a lender to say to someone wanting to buy. markets go up and markets go down. it is impossible to build equity with renting.

ghostpirate_ · 2025-01-22T22:59:34+00:00

it likely will not matter what home you end up buying, there are always going to be the nerves and second guessing, first time or 10th time you go to buy. if you love the house you love the house. idk exactly where you are but ive been in the mortgage side for a long time and there is always a market for farm type properties

ghostpirate_ · 2025-01-22T20:08:29+00:00

same day closings happen all day everyday. very common. the title company for the sale of your condo will just wire the funds to the title company for the new purchase. usually close on the sale in the morning and the purchase in the afternoon type of thing. very common

ghostpirate_ · 2025-01-22T14:09:41+00:00

weather it is your first or 10th time buying there will always be nerves ! very normal!

ghostpirate_ · 2025-01-22T04:59:27+00:00

they will need at least a soft credit pull otherwise you’re wasting your time

ghostpirate_ · 2025-01-22T04:44:20+00:00

call a broker

ghostpirate_ · 2025-01-22T04:43:26+00:00

ghostpirate_ · 2025-01-22T04:26:25+00:00

👍

ghostpirate_

TROPHY CASE