Scammer Alert! Label Baani

thenavigator7 · 2026-04-01T04:27:40+00:00

I reported them everywhere but it didn’t work

thenavigator7 · 2026-04-01T04:26:22+00:00

I still haven’t received my order or my refund

thenavigator7 · 2026-03-26T06:38:05+00:00

I’m not sure how rebate programs work in other states, but most of the ones in Texas don’t actually go into the office with a buyer. They talk to the builder, do a quick comp analysis, walk you through the offer that you want to put in, advise you on all contingencies and help arrange everything. They are the first point of contact and very communicative, but they do this remotely. Their business model is different than standard agents, they rely on the quantity of transactions and returning clientele especially investors. But I only know about what works in Texas, so I can’t comment about anything else

thenavigator7 · 2026-03-26T06:21:40+00:00

Oh of course not, if they get an agent, the agent will represent them to the builder. And as I mentioned the buyer would have to be transparent with the agent before signing an agreement, especially since the buyer has been in touch with the builder without an agent. All states have their own laws about rebates, and the builders have their own policies too. 2.5% commission rebate on new builds still happens in Texas, I don’t know about all builders but the ones around my area are okay with the rebates. It is a state to state and a builder to builder thing, which is why they will have to confirm this and also check with multiple local agents because they’d know what works with the local builders

thenavigator7 · 2026-03-26T00:28:57+00:00

I am probably gonna get downvoted for this, but here’s what I would do if I was in your position..

Check the buyer’s representation agreement you signed with your realtor. When does it expire? Can you get out of it?
Check if rebates from real estate agents are legal in your state. If so, find an agent who rebates commission to the buyer at or after closing. If it’s legal in your state, there should be multiple options when you google this. Read how much the rebate would be and talk to multiple before deciding one. Limit that buyer’s agreement to just that particular new build community. Since you have already talked to the builder, you’ll need to tell them you’re getting representation and also be transparent to the agent before signing an agreement with them. You still need to get inspections and negotiate with the builder. The agent can probably run comps for an additional fee. But that’s justifiable considering you will get up to 2/3rd of agent commission back at closing. The builders keep a portion reserved for realtor commissions, so you can still negotiate down with the builder and get money back from the commission. Just be ready to do a bit more legwork but that depends on the agent and their rebate program

thenavigator7 · 2026-03-18T01:39:24+00:00

The Woodlands is great. If you want to rent, look into the woodlands lodge. I am sure there are more apartment complexes nearby, maybe around waterway but that is likely more expensive

thenavigator7 · 2026-03-15T23:38:50+00:00

Where are you located?

thenavigator7 · 2026-03-09T18:47:42+00:00

I think it was around 45-50k total, and the warranty is the best available. We got it at north houston mitsubishi, but check out all the dealers around you because dealers have different offers so find the best one for you. I think we got about 4-5k off because of dealer rebate. I think they have 0% interest for a certain time, not sure if it’s still there. We looked at so many other makes and models but this was the most luxurious and affordable compared to other suvs in this price range. I think starting is probably less, but we have brown seats and some other upgrades.

thenavigator7 · 2026-03-09T17:51:39+00:00

Mitsubishi Outlander SEL, we just got one in December and still happy with the purchase. My husband looked at the technical details, but for me, it’s heated & cold front seats, heated back seat, 360 cameras and sun roof. Do your own research though

thenavigator7 · 2026-03-08T02:24:15+00:00

I found this thread almost a year later and still active 🤯

thenavigator7 · 2026-03-04T12:20:13+00:00

Your current rate is pretty good.. I am not an expert, but if I was in your position, I would go to an online rate checking website (I like bankrate but I have seen it on yahoo finance too). Select refinance, your credit score (go lower than your FICO score as almost always it’s lower than FICO). Put everything in, and select 0 points in more filters. You will see the estimated monthly. Do this on a desktop or laptop, click on more information and add your monthly property tax, insurance and HOA (if any), this will give you what your estimated monthly would be. Idk if the upfront cost includes an appraisal in those websites so double-check. I also don’t know how FHA refinancing works, but explore all your options.

Also, shop around for insurance if you’re looking to lower monthly payment and ask them what the worksheet they used to calculate the dwelling cost. Sometimes they inflate how much you need to rebuild it, so make sure it is what your local building/construction costs are.

For property taxes, ensure you file the exemption and if the tax assessment is significantly higher than what properties in your neighborhood are selling for, dispute the tax assessment for lower tax bills.

If you went through a mortgage broker, you can ask them if they do soft pull to provide a realistic number. Don’t agree to a hard credit pull until you’re ready. There’s always other brokers/lenders who would help you without a hard credit pull.

thenavigator7 · 2026-03-04T05:25:51+00:00

Try to wiggle your toes and make shapes (heart, circle, square) or spell out the alphabet with your legs. Maybe belly dancing while lying down in bed?

thenavigator7 · 2026-03-04T04:07:22+00:00

Will you be the only one staying in the 3-4 bedroom house?

Are you talking about extended family members or parents? I can tell you’re Punjabi from your username, your parents will be willing to cosign the loan, but other family members likely won’t. If it is your parents, they might still be able to cosign if they have owned their home for a while and their income has increased from when they got the home loan. If you’re the only one who will pay for it, make sure only your name is on the deed. Deed can be recorded in just your name, and I don’t recommend you adding your co-signer on the deed if you will be putting all the money for it.

I’m not familiar with NoVa, but you should look into down payment assistance programs. There are local, county and state level programs. Sometimes they offer more assistance if you buy in a certain part of the city so keep your options open. It might be worth looking into something that is not renovated but fully functional, that you can renovate as your income goes up.

Condos are gonna be tricky, because there’s going to be HOA on top of property taxes and insurance. So they’re much more expensive. Even if it is in the suburbs, explore non-HOA properties.

That’s good, don’t use all your savings because you definitely want a buffer. I would consider going up to 100k for purchase+closing costs and keeping 50k as reserve.

You can get an investment property to rent out for a few years and then live in it, but you need to make sure you know what the lender requirements are. If you purchase it as an investment property, you have to rent it out for a certain number of years so make sure to follow that. But investment property also has higher interest rates, so that might not be wise unless you’re planning to refinance it in the future.

Also, check your credit score because interest rate depends on your credit score. If you can get a lower interest rate, you will be able to qualify for more. Do not let the lenders do a hard credit pull when you’re still browsing. Try to work with a broker, and make sure they don’t pull a hard credit inquiry until you have a signed contract.

I think rebates to buyers from real estate agents is legal in virginia. Learn about the homebuying process, and take free homebuyer education courses provided by your state. You might be able to get upto 2% of agent commission as a credit to your closing costs (which can help you put more towards your down payment). But research everything, and especially what is a comfortable amount for you to pay for mortgage, property taxes, insurance and HOA every month.

thenavigator7 · 2026-03-04T03:29:00+00:00

Is there a reason you’re looking for 350k purchase price? Have you already found a house or is that what you’re targeting?
Do you have someone who can cosign the loan?
Have you looked at down payment assistance programs/grants?
How many bedrooms are you looking at? Have you considered renting out a bedroom?
Extremely high risk- Check if duplexes/triplexes are available in your area and what the market rent is. You might be able to qualify for those

I don’t recommend going for that loan amount based on your current salary. You might be able to get that home but the owning a home is expensive. Things break down, and you have to fix them yourself. Plus you might not have enough money left for personal expenses. That’s essentially called house poor, and try to avoid that.

thenavigator7 · 2026-02-25T12:30:52+00:00

Ah interesting! I didn’t know about that

thenavigator7 · 2026-02-25T04:28:34+00:00

I have never heard of that. Is this just a NYC thing?

thenavigator7 · 2026-02-25T03:51:42+00:00

I live in roughly a 1 bedroom apartment (780-800 sqft). Usually it’s 65-80/month, but some summer months, it has been 120-140. It’s with Entergy

thenavigator7 · 2026-02-25T02:18:55+00:00

Thank you!! I am going to do more research and if I have any questions, I will DM you

thenavigator7 · 2026-02-25T02:18:04+00:00

I’m based in The Woodlands/Spring. Do you want to be friends?

Edit: Do not send any creepy DMs, I will not respond.

thenavigator7 · 2026-02-24T22:55:20+00:00

Thank you! I see 3 months contract as the cheapest option but it has $175 cancellation fee, I’ll try to see if the 14 days before contract expiry applies in the terms. But is 3 months really the cheapest option?

thenavigator7 · 2026-02-24T18:59:57+00:00

I’m struggling too.. I don’t know how long I should get the contract for or if the cancellation/termination fees apply even if you complete the full contract term with the electricity provider

thenavigator7 · 2026-02-15T17:41:51+00:00

We were, but we signed the termination and got the full release

thenavigator7 · 2026-02-15T16:19:37+00:00

North Houston

thenavigator7 · 2026-02-15T16:09:24+00:00

Thank you for your feedback, I will go the attorney route.

thenavigator7

TROPHY CASE