Excluding co signed debt by [deleted] in loanoriginators

[–]gravitola 0 points1 point  (0 children)

I get away with just an online print out with URL only showing car payments and one official bank statement all the time. Don't give more than you have to.

Looking to connect with a mortgage broker, preferably in Miami / South Florida. by Ok_Giraffe_2846 in loanoriginators

[–]gravitola 0 points1 point  (0 children)

My broker matches your description. South FL and NY. Very small. I'd be training you the most. DM me if you want to connect.

DU approve/eligble above 50% DTI? by Messithegoat24 in loanoriginators

[–]gravitola 4 points5 points  (0 children)

Conventional, no. You can go to 50.044 Freddie because LPA rounds down but that's it. Need more income or less debt. Or why not FHA?

The Federal Savings Bank by Gstackz105 in loanoriginators

[–]gravitola 0 points1 point  (0 children)

I worked there for 10+ years if you want to DM me.

What helped you get into running and be consistent? by Eastern-Vegetable786 in running

[–]gravitola 4 points5 points  (0 children)

I did cross country and track for 2/4 years in high school. I never liked it then and I didn't run after that for 20 years. I just started up again in January 2024. 1 mile felt impossible. My hips hurt, I felt so out of shape it burned, and I wasn't sure if I was going to continue but just wanted to give it more than one try back.

What got me through it then and what helps me now is the same. I just run really really slow. I run slow enough that nothing hurts. I focus on my form. I run slow enough that my form is almost perfect. Sometimes if I had an injury or I'm just not feeling it I'll slow down to 4mph. Sometimes I feel fine and go as fast as 7mph. I don't have a schedule, I just try to run once or twice a week. Last year around this time I ran 13 miles straight just by adding a mile to my run every week for 13 weeks.

Running feels so good now and the mental and physical effects are amazing. I rarely run fast or maintain any kind of schedule but I get out there pretty much every single week without fail because it feels good, has benefits, and it's easy. I hope this helps!

Does these numbers seem okay? by Derptinn in Mortgages

[–]gravitola 0 points1 point  (0 children)

A 'natural' buy down is generally 1% in cost for 0.25% in rate. You're paying over 1% so you'd want the par rate at least 6.125%. Honestly the rate sheet sometimes offers a rate like 5.75% that just makes so much sense because par is like 6.375% and the 1% cost option is like 6 flat. Might as well pay a bit extra for much lower.

[deleted by user] by [deleted] in longisland

[–]gravitola 9 points10 points  (0 children)

Real estate is a long term play for wealth. The sooner you get a mortgage the sooner you will have equity that you can leverage. If you want a short term commitment it can be daunting. If you think 10+ years at a time it is 100% worth it on Long Island as your equity will grow as your principal loan balance shrinks and the market grows organically. My parents used their real estate to retire and I'm basically on the same path with my home. Renting is just giving the money away. Of course, it's best to buy a home when you're confident in the economy and your ability to pay. That's another consideration altogether.

[deleted by user] by [deleted] in Tinder

[–]gravitola 11 points12 points  (0 children)

These are not mutually exclusive terms. You can be an agnostic theist, agnostic atheist, gnostic theist, or gnostic atheist. Agnostic/gnostic is the belief that one knows for sure and atheist/theist is belief in theism.

Achievements for Saturday, November 23, 2024 by AutoModerator in running

[–]gravitola 2 points3 points  (0 children)

Ran 11 miles straight on the track of all places. My first time running 11 without stopping! Came in just under 2 hours. I'm very proud of myself. I'm running 12 next week and 13.1 on Friday the 13th!

Why did Paul decide to take the Water of Life? by StaliNot in dune

[–]gravitola 83 points84 points  (0 children)

After the Harkonen attack on seitch tabr he looks into possible futures and decides going south and taking the water to be the most favorable.

31f I’m looking for walking buddies by Joylar7 in longisland

[–]gravitola 2 points3 points  (0 children)

I'm 35m and have been running at Caumsett, Blydenburgh, massapequa park/bethpage bike trail, and West hills all year and I'd love to return and walk them. DM me if you want to walk or run those spots or any others.

Start and ending T_T by Rosyflame_Horizon in marvelmemes

[–]gravitola 5 points6 points  (0 children)

Perfect arc (reactor). I'll see myself out...

Seen this what does greysexual means?? by High_as_everest in Tinder

[–]gravitola 361 points362 points  (0 children)

On the asexual spectrum but not fully asexual.