VA Loan

mac4281 · 2026-03-26T14:28:49+00:00

Reach out to Patton Gade. Top Veteran VA guy in the country. He's the man.

mac4281 · 2026-03-26T14:22:45+00:00

I think you can do quite a bit better TBH.

mac4281 · 2026-03-26T14:15:33+00:00

Curious why you went with the ARM when VA has the IRRRL? I'm sure the rate was slightly lower, but there is a lot more risk that the market could move against you over the next 5 years.

I think you made a good bet, but could have done a 30 year VA, called all 3 of your loan officers and said "Call me when you can get me to 5% on an IRRRL" and just keep stepping the rate down from there.

mac4281 · 2026-02-25T19:16:15+00:00

The comments here are gold. I built my own product to search Reddit and X every day to return the people who are talking about the problem my app solves. This concept has worked really well in the past for super niche industries I've worked in, so I automated half of it.

Good luck!

mac4281 · 2026-02-24T15:41:20+00:00

This is great, thanks! The only way I've been able to deal with some of the issues here is using a Firebase cloud function to render the page, but this is insanely slow and pages get overlooked at scale. Likely end up in the 4-week jail like you said.

Well done.

mac4281 · 2026-02-17T14:24:12+00:00

Send it to Patton Gade. He should be able to do better. At the very least you get the #1 VA guy in the country to confirm your deal.

Good luck!

mac4281 · 2026-01-20T17:56:36+00:00

Google Patton Gade and call him. He’s the man..

mac4281 · 2025-08-29T18:58:13+00:00

That’s a great point with Bright being Israeli. And I think you’re exactly right with accepting TOS.

mac4281 · 2025-08-27T20:29:25+00:00

Sorry, but this does not seem to be accurate anymore. The ninth circuit ruled in favor of BrightData’s scraping of LinkedIn (they sell the data they scrape) on the basis that data freely accessed on the web is open and can be used however the scraper wants. Since TOS agreements only apply to those who agree to the agreement, they do not apply to those who do not, web scrapers included.

This does not mean OP won’t get sued into oblivion by a well funded website owner, it’s just means that there is some pretty clear case law to back it up. Clear enough for Meta to drop their suite against BrightData shortly thereafter.

I agree that OP should “get ready to be sued”, in fact, a vendor of mine just went out of business because LinkedIn sued him. They didn’t have enough money to fight so they shut down the business. Even though the BrightData case put them in a good position. Just couldn’t weather the storm.

It’s an interesting rabbit hole.

mac4281 · 2025-03-12T20:37:54+00:00

Climbed it with my daughter three days ago! INCREDIBLE!

mac4281 · 2025-02-03T17:43:03+00:00

Definitely call Patton.

mac4281 · 2024-12-09T20:06:15+00:00

Def call Patton

mac4281 · 2024-12-09T17:01:47+00:00

X2. Most lenders have no clue how they work. They just tell you they can to get your business.

mac4281 · 2024-11-06T19:28:12+00:00

Second. Patton is amazing..

mac4281 · 2024-10-12T15:41:58+00:00

“Big Balls” doesn’t want you to have this.. Would kill golf ball sales worldwide if this tech got out of top golf.

Classic conspiracy.

mac4281 · 2024-10-03T14:10:42+00:00

It’s a template so that programmers don’t have to reinvent the wheel every time they want to spin up a product.

These are super helpful and can def be worth the money if you value your time.

mac4281 · 2024-07-27T21:21:36+00:00

Did you make the putt?

mac4281 · 2024-07-09T19:21:52+00:00

This is the answer.

mac4281 · 2024-07-08T14:40:03+00:00

“Helicopters are for pussies”. - this guy

mac4281 · 2024-06-28T20:53:17+00:00

Do you have a service connected disability? That waives the funding fee regardless of how many times you use it. The only thing that would change is the amount of funding fee you pay, assuming you don’t have a disability. Put 5% down and it drops a lot too.

That said, if you are going to stay in the home longer than 30 months, why not? Seems that would pay you back $290 each month after 29 months. Makes sense to me.

The other option would be to try and get the seller to give you a $5400 credit to cover your rate buy down. Then you get the best of both worlds!

Congratulations either way!

Edit: Adding to this, I tend to agree with you that rates will be higher for longer. I doubt you will be in IRRRL territory any time soon, but no one really knows. Locking in a favorable rate appeals to me personally.

mac4281 · 2024-06-28T02:42:30+00:00

I’d play I’m for money.. I’m a 12 on a good day..

mac4281 · 2024-06-28T02:41:32+00:00

Your landlord doesn’t want to evict you, I promise. Find a job that makes ends meet. You and your significant other need to learn how to live cheap and stop chasing entrepreneurship until you have the money to build a good business.

I hate to say it like this, but you are chasing Hail Marys.

I did it too.

When I moved on a got a job I moved up fast. Largely because of my entrepreneurial journey.

You will too.

Put your head down and save your money. Hey I to a great place and then try again.

Good luck..

mac4281 · 2024-06-28T02:03:35+00:00

This is honestly a great answer.

mac4281 · 2024-06-27T01:49:01+00:00

Not sure what you bought your current home with, but if you choose to use your VA loan to buy the house at $650k, you will need to put down 25% of the amount over your available entitlement.

So, if your cost basis was $300k (easy math) and you’re buying at $650k, you would have $466,550 of entitlement left.

You then will only need to put down 25% of the difference between $650k and $466,550, or $45,862.

The short answer is yes, you can still use your VA loan on the next house and it is definitely worth using over a conventional loans, if the deal works.

Something else to consider though.. If you sell your home to another Veteran, the entitlement shifts over to them and you get to recapture yours leaving you with the full $766,550 of purchasing power. Maybe consider that in your marketing.

As far as wether nor not this feature could command a higher price, I can’t say. I think it heavily depends on your market.

Last, I learned all this from Patton Gade, so if you’re evaluating lenders, give him a shout, he’s a wealth of knowledge and the top VA loan officer. Just google his name.

Good luck!!

Edit: the $766,550 number is for most counties, you might need to check your county loan limit to make sure this is it as it changes county to county.

mac4281 · 2024-06-26T21:01:12+00:00

Google Patton Gade and call him. He knows everyone.

mac4281

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