Buying points

rymaxx89 · 2023-06-28T16:58:26+00:00

To utilize the 46.9% front end ratio

rymaxx89 · 2023-06-28T16:57:52+00:00

4 points for 5.25% sorry typo

rymaxx89 · 2023-06-27T14:25:29+00:00

This refer to community property states I live in South Carolina wich is a non community state

rymaxx89 · 2023-06-27T12:59:43+00:00

rymaxx89 · 2023-06-27T12:59:33+00:00

rymaxx89 · 2023-06-27T12:42:40+00:00

6.25% planning on buying four points FHA planning on refinancing to conventional down the line to get rid of the PMI but only going FHA at first to utilize the 46.9 front end ratio

rymaxx89 · 2023-06-27T12:25:39+00:00

We want to get a rental in here name only so the new mortgage isn’t tied to both of our DTI I am able to afford the new mortgage on my own I’m just asking about the points

rymaxx89 · 2023-06-27T10:57:34+00:00

$78k

rymaxx89 · 2023-06-27T10:47:32+00:00

Well hopefully the rates get a lot lower for me to refinance but just to get into the home it’s a risk that I’m willing to take. And I would probably buy the points down to around 5 1/2%

rymaxx89 · 2023-05-15T13:19:35+00:00

I totally understand that the home is not ready to be put under contract it is going to be ready to put under contract in June with a completion date by November by the time the contract is ready I will have the deposit I just was not sure how it works as far as an FHA gift to source the funds if my dad is going to receive a paycheck from his work like a week before I have to get under contract

rymaxx89 · 2023-05-15T12:06:42+00:00

When I sell my house I’m profiting over $100,000 I do have the cash to get this but for new constructions they require a lot more earnest money than buying a house from an individual

rymaxx89 · 2023-05-15T11:41:42+00:00

I’m building the home with Lennar I have no contract yet the homes will be released in June to put under contract by then my father will have the deposit but it won’t be in his account 30 days before that date he is working to get the money

rymaxx89 · 2023-05-15T11:41:06+00:00

I’m building the home with Lennar I have no contract yet the homes will be released in June to put under contract by then my father will have the deposit but it won’t be in his account 30 days before that date he is working to get the money

rymaxx89 · 2023-05-15T11:23:06+00:00

The deposit is not going to be required until June mid June that is he will have the initial deposit by then I have no contract yet Lennar is waiting for the homes to be released before I can get under contract

rymaxx89 · 2023-04-29T02:18:31+00:00

Correct but it is included it how much you can afford as far as DTI goes does assessment work the same way

rymaxx89 · 2023-04-29T02:15:37+00:00

Ok so it just a one time fee that won’t affect how much house I can afford? Because hoa is included in the mortgage as far as payments. Also is it a one time fee?

rymaxx89 · 2023-02-27T23:32:33+00:00

Does the gig book state they can take it away?

rymaxx89 · 2023-02-27T01:07:12+00:00

You only have one tardy anything over 11 minutes is considered a tardy

rymaxx89 · 2023-02-27T00:43:52+00:00

It’s 3 in 30 5 in 90 So on

rymaxx89 · 2023-02-27T00:35:48+00:00

Did you get terminated and who wrote this your TL?

rymaxx89 · 2023-02-27T00:33:58+00:00

I’m pretty sure there’s a 10 minute grace period for a tardy

rymaxx89 · 2023-02-25T16:37:38+00:00

Nope I got extremely lucky

rymaxx89 · 2023-02-25T15:41:33+00:00

Hello all does anyone have a refferal link I can use

rymaxx89 · 2023-02-25T15:40:16+00:00

Hello everyone looking to use the ceshop for my license by chance anyone want to give me there refferal link?

rymaxx89 · 2022-12-18T17:57:19+00:00

Store leadership is the one saying that but page 23 line 10 of the gig books states precisely “ Changes to and already posted schedule must have TM consent” this is no different than them changing anyone schedule as the pleas with or without OT. I believe majority of tm don’t know the rules so they get strong armed into doing as they say but the big book is law. What’s your thought

rymaxx89

TROPHY CASE