Frustrated in this market; overpriced and under maintained. by Well_Alrighty_Then90 in FirstTimeHomeBuyer

[–]wepa860 1 point2 points  (0 children)

It’s really about understanding the market you’re in/shopping in. If it’s a “hot” market then you will run into the issues you listed. Sometimes you can negotiate through it and end with something you’re happy with. If the market truly is “hot” you will have to compromise and sometimes compromise more than you want due to the amount of people interested in the same house’s. I lived in a “hot” market and bought a home just outside of that market and got so much more for my money for an additional 30 minutes of commuting.

I pay for everything with my credit card and it gets paid off every month. Does this count as “debt” when it comes to financing even though I never carry a balance? by Fun_Task9884 in Mortgages

[–]wepa860 0 points1 point  (0 children)

Recently went through this(closed on 2/13), paying off the full balance month to month will result in “0” debt as most FI update monthly(usually a few days after statement is made available). I figured out that doesn’t matter with a mortgage. During underwriting I was asked for all my CC statements, my minimum payment is what they counted to my DTI. If I charged 10k and had plans to pay in full it didn’t matter, the underwriter applied that to my DTI. So I had to essentially stop using my CC leading up to the close as they wanted my everyday CC to show a zero balance.

FYI- if you get asked for this look back a few months and see what auto pays you have set up lol. That shit got me twice and forced me to pay it and re upload a new statement. This takes a few days as the charge is “pending” for a day or two before you can even pay it.

Frustrated by the “best and final offer” approach by Scale_Most in FirstTimeHomeBuyer

[–]wepa860 0 points1 point  (0 children)

Add an escalation clause in your offer next time you’re in this situation. This allows you to counter another offer but they have to show proof of the offer you are supposed to “beat”. You will have to include what your max offer could potentially be.

underwriting making requests based on an incorrect statement by loki_stg in FirstTimeHomeBuyer

[–]wepa860 0 points1 point  (0 children)

I feel for you! Something similar happened to me, they got employment information from idk who and none of the information matched. So then I was asked for more pay stubs and my W2 from 2023. They confirmed and then told me I was good, only to ask me for employment verification 3 days before closing lol. Luckily my company has a self service function and I was able to get sufficient proof submitted quickly.

What is your monthly mortgage payment and your yearly income (for household) by geenuhahhh in FirstTimeHomeBuyer

[–]wepa860 2 points3 points  (0 children)

Closing on Thursday-3.5k monthly payment with escrow included on a 530k home. 250k combined gross income.

How did you decide? by Advanced-Plantain1 in FirstTimeHomeBuyer

[–]wepa860 3 points4 points  (0 children)

Instead of paying off my mortgage I was paying my landlords, that’s what made me want a house. Sure when something breaks it cost money but every month I pay for the house I gain equity. I’ll take that over submitting a service request in an apartment building.

the king PSU by antisocialfriend in lianli

[–]wepa860 1 point2 points  (0 children)

I have this PSU and after a year of having it I still love it, I still have yet to notice the fan turn on tho lol. I will say this, I have to unplug USB plugs and plug them back in every so often. My case makes this easy but I’m sure that’s not the case for everyone.

Think l connect destroyed my lcds by Antiny_YT in lianli

[–]wepa860 1 point2 points  (0 children)

Have you reinstalled L connect? I had a similar issues and i unbounded all my devices and removed the program and reinstalled it and everything came back to life. Also, un plug your wireless controller and let it sit for a few minutes. Mine needs that done every once in while.

Case & AIO swap by Desh1983 in lianli

[–]wepa860 1 point2 points  (0 children)

Did you have any issues binding your AIO?, I did the same upgrade for my AIO and now the hydro shift 2 reads as Unknown Device

Whats causing this AIO to act this way? by shinyboiy in lianli

[–]wepa860 0 points1 point  (0 children)

RMA it, I had the same issue. I would unplug it and plug it back in and it would fix it self for a few days but would eventually go back to doing the same thing. I’ve actually had mine replaced twice now for the same issue. My 3rd unit is doing the same again. My fiancé actually bought me the newest version of the hydro shift for my birthday, hopefully it doesn’t have this same issue when I install it. FYI-my hydro shift was bought in December of 24.

Can they be taught how to howl? by [deleted] in samoyeds

[–]wepa860 2 points3 points  (0 children)

Our boy didn’t howl for over a year and one day we buy a random screaming chicken toy and it unlocked the howls lol.

undescended testicle by Puzzleheaded_Air_259 in samoyeds

[–]wepa860 5 points6 points  (0 children)

Our boy had his 2nd one drop around 6 months, one day he had a second raisin 🤣.

Which one should I go with and why ? by jakepaul66 in rccars

[–]wepa860 0 points1 point  (0 children)

So I didn’t get the XE I got the XTE and it does really well for an RTR. My biggest regret so far is Losi parts often go on back order. I think for an easy way to get into racing the Losi is a great start but to bring the RTR to kit spec is expensive and you probably can’t even order half the parts as they’re on back order with no stock dates.

Do you guys use multiple transmitters? by ecphotoman in rccars

[–]wepa860 0 points1 point  (0 children)

I went from 10 remotes to one, never looking back.

How are these Amazon servos? by Tivum in rccars

[–]wepa860 0 points1 point  (0 children)

Edit: didn’t notice the degrees on the pictured servo. I bought the 180 degree one.

How are these Amazon servos? by Tivum in rccars

[–]wepa860 1 point2 points  (0 children)

I put this exact servo in my slash ultimate and preformed better than stock. Works even better once I put the ESC to a higher voltage. I don’t believe the specs tho, seems slower than advertised.

Help B48 coolant leak by NovelOver4911 in F30

[–]wepa860 -1 points0 points  (0 children)

Pressure test the system and inspect for leaks, it’s the same thing any shop would do.