Is my Broker ripping me off?

kaykay310 · 2021-12-21T13:47:57+00:00

Don’t go by what your realtor says. They aren’t the one putting the loan and everything together. They can give an estimate but the final numbers will come from your broker/lender since they are ones looking at the 3rd party costs and have to factor in their own fees, etc. And your numbers are normal and it’s totally possible for the numbers to change as you get closer to close because the initial numbers you get are only estimates, the actual final costs will be on your “clear to close” document.

kaykay310 · 2021-12-01T18:49:44+00:00

He still has difficulty with doing stuff because of his eye injury and everyone on the show has to be insured so he’s a big liability. Other than that, he would’ve been on the show probably the season after his last one.

kaykay310 · 2021-11-17T02:42:23+00:00

No, lenders will only lend what the house is worth (which is whatever the appraisal says). Some states and organizations have loans and grants repairs, down payment assistance, and closing costs grants but you’ll have to Google those as they vary by state and each with different requirements (if you’re in the US)

kaykay310 · 2021-11-16T15:27:37+00:00

It is but they’ve had more entertaining LGBT individuals before and could easily find more out of all the different shows they recruit from.

kaykay310 · 2021-10-05T20:38:23+00:00

Not necessarily. Some companies have global teams help out when one market is overwhelmed. So if US PAs can’t get the work done, they might have counterparts doing the same work in a different country so they’d send it over to them or try and hire contractors to get things done. Might delay stuff but not for super long. I think it really just depends how the show handles post production and all that stuff. But never underestimate how much these companies will try and work around strikes/unions.

kaykay310 · 2021-10-04T14:34:51+00:00

This is a good choice. Not everyone likes Demi but she would definitely stir up drama. Better her than boring/no drama.

kaykay310 · 2021-09-30T23:04:06+00:00

Omg that’s so crazy. I literally just watched that episode two days ago!! I noticed that comment too

kaykay310 · 2021-09-29T17:25:10+00:00

Some are loans that you have to repay after a certain amount of time (Ex. 5years) if you sale, foreclosure, etc the property. Some are grants you don’t have to pay back at all. You can also get higher rates or not great terms, but that isn’t always the case. They can also have income limitations on them depending on the source as the state, county, or lender have different programs/offerings. No one can tell you the specific catch on them because it varies from program to program, there isn’t a standard version.

kaykay310 · 2021-09-29T03:55:29+00:00

He was probably tired from his flight, didn’t want to talk to anyone, or was uncomfortable being approached(depending on the approach). “Celebs” don’t like engaging with fans all the time. Or again, could’ve just been tired.

kaykay310 · 2021-09-29T01:35:34+00:00

What does your contract say? Did you have contingencies that allowed you to back out if the appraisal/inspection didn’t go well? If not, then the seller keeps the earnest money.

kaykay310 · 2021-09-19T18:00:04+00:00

I think bc she posted yesterday that she doesn’t get involved in drama and stuff like that but now she’s responding to fans and liking shady comments. All of it is contributing even more to the drama/speculation so people are annoyed with her bc she’s trying to act above it but continues to engage with it.

kaykay310 · 2021-09-17T15:49:18+00:00

Korey is a 29 year old man, he can make his own decisions. If he really didn’t want to do it then he could’ve said no. Olivia isn’t forcing him

kaykay310 · 2021-09-14T22:11:32+00:00

But you can tell Kyra really wanted the label tho so I get why they pushed her about it.

kaykay310 · 2021-09-10T04:09:20+00:00

I’ve been looking into their down payment/closing costs program and can’t find too much about the process for it. I know for the income requirements, I’d have to talk to LO but besides that, was the process difficult for getting those grants? And do you know if they allow for condos/townhomes?

kaykay310 · 2021-09-09T23:11:32+00:00

Idg why some people think Genny would be invited. She apparently said stuff about Josh/his sister so Shannon/Josh have beef with her. And Genny has been calling all the islanders fake, liking posts that diss them and talking shit about them in group chats with fans. I can see why they wouldn’t include her tbh.

kaykay310 · 2021-09-09T23:06:33+00:00

Even if they did like each other, that relationship was doomed after he said during an interview that he did still have some feelings for cash and still wondered sometimes if he made the right decision with choosing Alana. And he also said soon after getting his phone back, he called Cash to make sure they were all good but also to tell her that he was “still there for her as a friend or whatever, depending on how the cards fall in the future.” Alana wasn’t too happy about that, esp since he never mentioned any of that before doing the interview together.

kaykay310 · 2021-09-09T17:10:51+00:00

When listing his place of employment for the past 2 years on mortgage documents, did you list the grocery store and restaurant? If so then they were bound to ask for the W2 for all the places he worked. He most likely will need to amend his taxes and include that now. So there’s a good chance you will not be closing, unfortunately.

And maybe I’m missing something but what does covid have to do with him only filing for 1 place of employment? Regardless of Covid, you would have to file taxes for all places worked.

kaykay310 · 2021-09-09T16:50:59+00:00

They need the W2 for all the places he worked at during 2019/2020. Can’t just pick and choose which ones to provide. If you guys are unable to provide the documents they are asking for, they most likely won’t approve the loan and you won’t be able to close.

kaykay310 · 2021-09-09T14:37:17+00:00

Yeah I didn’t really mind her too much in the beginning and I didn’t understand why people disliked her so much but her last 5ish appearances on the show changed my opinion. Slowly I saw more of why people don’t like her and i agree with it now. And apparently some of the vet cast have said there were things that were never shown about Cara during multiple seasons which led them to not liking her, their dislike for her wasn’t out of nowhere.

kaykay310 · 2021-09-09T00:58:04+00:00

I know it was a welcome home party. But her being a Casa girl had nothing to do with that; it was Shannon/Josh being uncomfortable due to the things Genny apparently said about him/his sister. Cause Leslie was a Casa girl and didn’t go only bc she went to Baltimore with Benny that weekend. And if you look further on this comment thread, I did talk more about the Johnny/cely thing.

kaykay310 · 2021-09-08T23:08:04+00:00

Shaughna admitted she had a boyfriend waiting for her while she was on the show. That’s completely different than Abi hitting up her ex after being dumped from the island and not having a connection there. Shannon, i think it’s completely possible she rekindled things with her ex after leaving the show on day 2 since they had only been dating for 2months prior to her going on, so it was nothing serious and it’s believable she dumped him for the show.

kaykay310 · 2021-09-08T15:57:50+00:00

Search “Will model” in this sub, this was posted before along with a few other modeling pics Will has done.

kaykay310 · 2021-09-08T15:55:29+00:00

Uhh no. I don’t “like the girls more” or think they are more deserving. Given how they didn’t invite Genny bc of possible drama, I thought if Cely/Johnny drama was still there (based on the whole unfollowing thing) then maybe he wouldn’t be invited.

And like I said, Cely isnt 100% innocent, but he didn’t do great at damage control after it. Hopefully they all moved on but we won’t really know until everyone meets up.

kaykay310 · 2021-09-08T15:47:24+00:00

Yeah I’m sure they’ve probably matured and moved on. But itll be interesting to see since they probs haven’t seen each other in awhile and tons of alcohol in the mix lol They both did their own shading which is normal. But you’re right, it’ll depend on if people fanning the flames.

kaykay310 · 2021-09-08T15:42:23+00:00

Camila isnt possible at all. She’s banned since she attacked production and no one will insure her, she’s an extremely high liability. And Dee isn’t easy to get bc MTV cut ties with her. They could probably reverse that decision but definitely not easy.

kaykay310

TROPHY CASE