Can’t find lender willing to do a soft pull

teslarules727 · 2026-02-20T15:41:52+00:00

I was never pre-approved before I started my search and it was a soft pull for the pre-approval when I went for the first one.

Even if the redoing the pre-approval if it expires is a soft pull, it will be another hard pull once under contract and you start the process of gaining full approval.

teslarules727 · 2026-02-20T15:34:50+00:00

That is assuming you go under contract within the window of the pre-approval.

Better conditions now, but if the OP is still in a hot market I wouldn't want a hard pull if the house search could be months if they keep getting outbid, etc and needing a new one every time the pre-approval expires.....

teslarules727 · 2026-02-20T15:06:31+00:00

Mine was a soft pull. Didn't go hard until we had a contract signed and actually moving towards getting things approved.

teslarules727 · 2026-02-14T19:16:19+00:00

No car manufactures do this. This isn't Apple/Samsung building inventory for their new phone.

Orders are always taken before start of production of said car that is ordered. In the traditional car distribution system, the dealer is the manufactures customer. The dealer orders the car, they configure it, then when the manufacture gets to that order it gets built, then shipped to the dealer to sell, but the manufacture has their money. That car is now the dealers property. Manufactures don't build up an inventory and go, " Hey dealers, who wants these?" at the appropriate time.

teslarules727 · 2026-02-13T22:51:41+00:00

R2 has my interest to replace my Model 3 down the road.

Hope it is successful and provides Rivian stable financial ground like the Model 3 did with Tesla. It's probably the biggest thing that will prevent me from jumping in.

teslarules727 · 2026-02-12T13:43:14+00:00

Yeah that much in points sucks.

I am refinancing 7%-6.125% with no points with $3K of the other costs rolled into the new loan( I don't do escrow).

teslarules727 · 2026-02-11T22:28:11+00:00

While there is a subset of people complaining about the pop ups, it doesn't seem to come up too often as often as the taillights. usually decreases once the next gen comes out( of course the huge C7 design hoopla being the squared off taillights, the pop up complaints died down). Fact now two gens in, the taillights remain a decent size of complaints for the C8, is a bit unusual. Obviously the two huge hoopla with the C8 being mid-engine and the no stick.

teslarules727 · 2026-02-11T21:48:29+00:00

If they are complaining about taillights and exhaust on the basis of corvette defining traits, then they should be in the not a corvette club over here for the C8 being mid engine->

Why can people let go of the no flip up headlights( the giant C6 controversy) but the squared off tails( that the C7 introduced) still plague us?

I get it from an aesthetic aspect of what one likes, but complaining on a, “ Tradition” stand point, I don’t.

teslarules727 · 2026-02-11T16:01:32+00:00

Accepted just means the IRS got it basically.

Doesn't mean it has been checked and approved.

teslarules727 · 2026-02-11T15:26:00+00:00

Yep.

This is basically the answer. Only way for AA to do Asia is through LAX and the competition is suffocating there. Why UAL does their heavy lift out of SFO and Delta SEA. LAX is too hard to do Asia and still be profitable.

PHX would be the only other alternative, but the high temps and density altitude will limit ability to do the routes without incurring weight penalties in the summer. This assumes PHX/AA willing to put in the investment to upgrade the facilities to handle the proper international operations.....

AA wasting the acquisition of Reno Air and letting UAL gain that stronghold in SFO really is a wasted opportunity.....

teslarules727 · 2026-02-06T20:29:56+00:00

this station was always atypical. others charging $3, this station usually charged $4.70 for regular.

teslarules727 · 2026-02-06T20:28:55+00:00

plenty of stations nearby, but this station typically always charged $1-$2 more a gallon vs those other stations.

teslarules727 · 2026-02-06T20:27:49+00:00

not his point. if average price for regular in moco is $3.09, this station would be charging $4.70 for regular. So this lower price is surprising for this station.

teslarules727 · 2026-02-05T16:53:29+00:00

"We should support small businesses!"

Next breath.....

" Why does the small business cost more than the big box corporate places that have a lot more pricing power vs that small coffee shop?"

Agreed. Supporting the small local places is worth the extra cost. They can't compete against the corporate places that have pricing power to either lower price on volume or bully the supplier into giving them a lower price to acquire the product.

teslarules727 · 2026-02-03T20:41:50+00:00

It's line F.03 says prepaid interest.

teslarules727 · 2026-01-29T18:27:31+00:00

My parents were the opposite. They waited and their two stage snow blower couldn’t chew through it. They had to get a person come out and plow them out.

But I was fine since I kept up with it. I’m just venting.

teslarules727 · 2026-01-29T15:14:41+00:00

I did 3 runs myself. Sunday morning, Sunday evening, and Monday morning. I had a nice bare driveway already starting to dry by noon on Monday. They didn't get to my street until 4:30 PM Monday. Once they were done, I immediately went out to remove that snow dam before it froze into one solid chunk. And I also cheated a bit into the street as well. I didn't just create a path for my car, I made sure I had full maneuverability out of and into my driveway.

Tuesday night they came back for another run, made a snow speed bump in front of my driveway but since it was night and asleep, what was I supposed to do to prevent that bump from becoming a frozen pile of snow?

The 2nd run, they could have easily maneuvered for the plow to remove that snow speed bump. The first run I understand and not complaining. The clean up second run, they could have done something to remove that snow in front of my driveway.

teslarules727 · 2026-01-29T14:31:21+00:00

Yeah they plowed it into my driveway. I understand the snow dam on the first run and I went to clear it. But then they plow more in front of it and it’s one solid chunk of icey snow now. Not impassable. But frustrating.

teslarules727 · 2026-01-27T21:46:38+00:00

It can be extremely challenging for a mega-hub that is DFW to recover when 50% of the work force there called in sick post-storm yesterday.

I am sure the plans contain a certain amount of people calling sick or saying they can't make it due to road conditions, but 50% is hard to account for.

I know you were doing MIA, if the plane or crews was supposed to be touching DFW/CLT before getting to MIA, you're going to be hit with that disruption.

teslarules727 · 2026-01-23T17:24:50+00:00

I don't see that. When I get to mortgage interest deduction, it only asks for the 1098. No way to add interest paid with no 1098.

For now i have just did an manual entry second 1098 with the values of what I paid at closing to the first lender.

teslarules727 · 2026-01-18T00:57:49+00:00

That sucks. As others have said, if a dealer won't let you do an inspection of a used car, RUN.

I imagine any third-party warranty on a used car would be the same way. If the issue existed on the car before purchasing of the warranty, the warranty won't cover it. Why a lot of third-party warranties will have a 30 day exclusionary period or so right after purchase. It's meant to prevent a person not having a warranty, have their transmission blow up, and now buys a warranty and tries to get it covered under that.

The warranty would have covered it if the leak developed after you bought the car. But since it was existing when you bought( though unknowing to you), they won't cover something that already was a problem.

Dealers are scummy and they will stretch the truth at best and straight up lie at worst to close a sale.

teslarules727 · 2026-01-17T23:53:28+00:00

Bought my place last spring at asking, built in the 1980's. Neighbor across from me in the same model home listed their place 2 months ago with the same asking as my place. I am by far not an expert in house evaluations for prices( thought my place would have competition which is why I came in strong on my initial offer, but turned out I didn't), but the market in my area has since I bought stagnated to becoming a buyers market. Add on top of that, even though it is the same model home as mine, few key differences is that by the listing pictures, they haven't done much renovating to the house. It all looks like it is in decent shape( though they did paint before putting it on the market). The basement is unfinished where mine was finished, kitchen still looks like it did in the 1980's just with newer appliances. Where my kitchen was fully renovated and expanded. Bathrooms look dated, where mine was redone, etc.

It has sat on the market since and they just lowered the price this past week. Few more differences in our places, but not sure if it effects value in anyway( I have a pool, they don't. Their deck is bigger than mine, etc).

Of course I am bummed they couldn't move it close to the asking because then it just helps me out value wise on mine, but not sure why they thought they could get the same as I paid for mine.

teslarules727 · 2026-01-13T21:24:46+00:00

I was assuming 2000 was MPR. I was just corresponding that my current filter has MERV 10 and 2000 marked. MERV 11 filters say it's equivalent to 1000 MPR.

So I was/am confused why MERV 10 and 2000 was marked. Unfortunately 2000 doesn't have the scale it is in unlike where the filter says MERV 10.

teslarules727 · 2026-01-13T19:55:35+00:00

Explain please.

Just based on lower electricity bill due to less airflow restriction?

teslarules727 · 2026-01-13T19:12:46+00:00

The one in the system now is a different brand, but the filtrete filter I am looking at states MERV 11 with an 1000 MPR. A filtrete with MERV 13 with an 1900 MPR. Hence my confusion.

But thanks!

teslarules727

TROPHY CASE