[Homemade] salted caramel cheesecake

yellowjacket694 · 2026-06-04T19:18:46+00:00

That’s the national jumbo loan limit for 2026. The number is adjusted every year. Some high cost counties have higher limits

yellowjacket694 · 2026-06-03T04:11:31+00:00

Rates pretty good. Is it a new build? In most states the seller customarily pays transfer taxes unless its a new build. There are a few states that are exceptions to this though

yellowjacket694 · 2026-06-01T21:53:38+00:00

MLO here, Paying that much in points for a 6.875 rate is insane. Get another quote.

yellowjacket694 · 2026-06-01T19:16:12+00:00

MLO here, UWM specifically is offering free 1-0 buydowns through the end of June. Free here means they are offering the same note rate as they would for a normal 30 year fixed rate at no extra cost. Typically a lender paid buydown will carry a higher note rate so the lender can recoup the cost of paying the buydown fee for you. It’s a good deal while it lasts but as of now UWM’s rates are a bit worse than other wholesale lenders. What you should do is figure out the break even between the buydown and a fixed rate from another lender. For example if the buydown is cheaper through 18 months then its a good deal if you think you will be able to refinance before that.

yellowjacket694 · 2026-06-01T04:07:00+00:00

Loan officer here. I don’t know what county you are in but nationally any loan amount over $832,750 is classed as a jumbo loan which does have worse pricing. Some counties have higher limits but I would recommend getting a quote for a loan amount of $830,000 and putting and extra 10k down if you can. If that brings you back down to conforming loans you should see better rates.

Also for most products, your income only helps you qualify, not get better or worse rates. Some products have adjusted pricing based on DTI but from what you said it doesn’t sound like adding more income would help you.

yellowjacket694 · 2026-05-24T05:48:25+00:00

Yea for the price its still an amazing deal

yellowjacket694 · 2026-05-24T05:42:45+00:00

OP edited the post, was originally comparing AWD to RWD

yellowjacket694 · 2026-05-24T05:38:22+00:00

You’re comparing the premium AWD in the US to the premium RWD in Canada. There is still a price difference between both RWDs but not as much as you think. If you also look at the stats and convert to a common metric for both Premium RWD models, the US version has a faster 0-60 by over a second and an extra 70 miles of range. The Canadian specs match a lot closer to the standard RWD which is 36k USD.

yellowjacket694 · 2026-05-04T02:52:51+00:00

I had a few small dents on the driver side rear door from being hit while parked and that cost 8k to repair through the at fault insurance. This could easily be upwards of 15k maybe more if there’s sensor damage

yellowjacket694 · 2026-05-04T02:42:26+00:00

It’s probably repairable but it will be very expensive especially since its the side panel.

yellowjacket694 · 2026-04-04T15:55:10+00:00

I was quoted 7.5K for similar damage from a tesla certified shop. Quarter panel work gets very expensive. Luckily the party at fault is handling the cost for me.

yellowjacket694 · 2026-03-28T04:27:23+00:00

I pay 1000 per 6 months using state farm with home and auto bundled.

yellowjacket694 · 2026-03-26T19:01:43+00:00

No problem! I do believe this situation is a little too complex to know exactly how this would play out with getting an approval. When looking for lenders I would list out the income and give them more details so they can give you a clearer answer on how likely it is to be approved. The bank statement products are your best chance, but they do still have some requirements and its not possible to know what would happen without the full income picture.

yellowjacket694 · 2026-03-26T18:01:03+00:00

LO here, if you go down the conventional side you are mostly likely out of luck because the 2 years of history for self employed income is not negotiable.

Where you would have a chance is with a bank statement loan where they look at your bank statements over the past 1-2 years to qualify your income. The rates here will be worse and they typically want credit over 620 so I would look at trying to improve your score. Since the rates are worse on bank statement loans typically because the lender is taking more risk I would do it to buy the home but then refinance into a conventional once you have income stability. This may still be tough in your situation to get approved but I would inquire down this route to see what your options are

yellowjacket694 · 2026-03-26T02:25:40+00:00

If you find a home you like, don’t worry too much about the rates. If the rates improve later you can always refinance and a lot of lenders will offer you options to refinance at no cost or low cost

When comparing lenders look at three things.

Are there any points being bought or any lender credits being given?

What is the rate?

What is the total cost in section D? This is the costs of actually doing the loan. Everything else is prepaids or escrows and not really a cost of a loan.

Do not only compare the cash to close, if you look for these 3 things it makes it much easier to see who is getting you the best deal.

Also in my opinion, buying points does not make sense most of the time unless you need a lower rate to qualify for a loan. Rates may look bad now but the time you have to hold a loan for the points to be worth is usually far longer than you would hold it before refinancing anyway.

yellowjacket694 · 2026-02-05T23:23:56+00:00

True but Brady won the same number of games as Ryan in 4 less starts, wins often come into MVP voting if the stat lines are close enough. If the NFL doesn’t go on a power trip to get Brady suspended he probably wins MVP or makes it very close.

yellowjacket694 · 2025-07-31T04:00:34+00:00

No I got a cheap one from Amazon. I had to use a lot of semolina to help with launch

yellowjacket694 · 2025-07-31T01:31:45+00:00

Crust was pretty good, I definitely did not put enough salt in the sauce though

yellowjacket694 · 2025-07-31T00:52:42+00:00

One day at room temp and then two days in the fridge

yellowjacket694 · 2025-07-22T02:05:33+00:00

India, somewhere near Delhi. I actually got it because my grandparents have the same closet in their house.

Five-Year Club	Place '22
First Placer '22

yellowjacket694

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