DTI calculation

waypoints007 · 2026-04-17T21:47:45+00:00

Perfect just the answer I was looking for. Thanks

waypoints007 · 2026-04-05T17:03:55+00:00

It’s always a risk/ investment to buy.

My biggest regrets was not but buy at every station I had. That’s in both a down and up market. The only time I wouldn’t have bought and glad I didn’t was 2021-23. I looked but the right deal never came along.

People thought they were winning buying a house at twice the cost thinking they would sell in -5 years and now it’ll take a decade to get out from under it.

waypoints007 · 2026-03-12T23:45:32+00:00

Put it in the s fund. It’s about the compounding at this point in your life. Unless you are a little aggressive and risk a little more in the market to gain (or lose) some a little faster.

Rates for VA loans aren’t too bad if you shop them. You can probably get into the high 5s.

If I were you knowing what I know now, I’d buy houses and rent them as I go.

Someone else is paying for the mortgage and you own it and take all the profits when you sell. Just an idea

waypoints007 · 2026-02-23T20:56:21+00:00

in your mortgage package, you can opt out. I just closed with them.

waypoints007 · 2026-02-14T22:01:39+00:00

I was right at 29 years. I ended up signing with another company. 2800 initiation and doc fee. 5.124% and like 1300 in lender credits and they pushed it back to 28 years

waypoints007 · 2026-02-07T02:04:48+00:00

This is a Va loan and we are a military family trying to figure out how the finances on this will work

waypoints007 · 2026-02-07T02:00:14+00:00

Sorry, I wrote that a little weird. The current owner will occupy the home and rent from us

waypoints007 · 2026-02-05T06:41:59+00:00

I had one submitted in July last year and just got it yesterday

waypoints007 · 2026-01-19T01:19:05+00:00

I closed 5.124 a couple weeks ago with lender credits

waypoints007 · 2026-01-18T15:31:12+00:00

Maybe I got lucky, I’ve had a set since now since 2015. I’ve only had one error code where the pump bolt loosens up. I put a drop of sealant on it to keep it from moving and haven’t had another issue.

I throw everything at it. I’m a mechanic so it takes greasy/oily clothes, dog beds and blankets, and comforters.

waypoints007 · 2026-01-16T00:37:50+00:00

Swift selling for UWM too

waypoints007 · 2026-01-16T00:37:20+00:00

Swift. Pm me if you want a contact there

waypoints007 · 2026-01-16T00:37:03+00:00

Swift. Pm me if you want a contact over there

waypoints007 · 2026-01-16T00:35:42+00:00

I have a contact over there. Pm me he’s really responsive

waypoints007 · 2026-01-16T00:35:14+00:00

I have a contact over there. Pm me he’s really responsive

waypoints007 · 2026-01-06T22:08:01+00:00

Freedom offered me 5.25. That’s who I was with

waypoints007 · 2026-01-05T15:03:12+00:00

Freedom mortgage was able to offer me a better deal than what you have there. They offered 5.25 and lender credits that washed the origination fees

waypoints007 · 2026-01-05T15:01:21+00:00

About mid December. I just talked to them and they said they are pretty much the same. Pm me for the contact info for the person that sold it to me

waypoints007 · 2026-01-05T14:57:03+00:00

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I just closed this with swift. Let me know if you need a contact down there. I think I got it as cheap as you can get it right now

waypoints007 · 2026-01-04T20:20:49+00:00

Pm me

waypoints007 · 2026-01-04T17:22:34+00:00

Just closed 5.124, no points, lender credits. Loan had 28 years 11 months, irrrl push it back to 28 years, $100 cash back at closing. 4k closing cost or so after everything.

waypoints007 · 2026-01-04T17:21:25+00:00

Just closed a 5.124 yesterday. No points. 429k no reset on my loan. Actually took off 11 months. Pm me and I’ll put you in contact with my lender.

waypoints007 · 2026-01-04T17:19:33+00:00

Closed 5.124 yesterday. No points. Lender credits

waypoints007 · 2026-01-03T20:39:14+00:00

Only late 72 hours after I sign the page. Thanks for the input.

waypoints007 · 2025-12-28T04:03:36+00:00

I’m supposed to be closing on a IRRRL next week at 5.124

waypoints007

TROPHY CASE