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Started By
Message
Home loans suck arse
Posted on 6/28/17 at 9:34 am
Posted on 6/28/17 at 9:34 am
So far I've given the mortgage lender every bit of financial info, my blood type and a kidney. I would rather be bit by a snake than do this again.
24
Posted on 6/28/17 at 9:34 am to Broke
they are gonna need a urine and semen sample from you next
Also I would avoid using a credit card or opening another credit account until you have signed about 1273 times on the dotted line
Also I would avoid using a credit card or opening another credit account until you have signed about 1273 times on the dotted line
This post was edited on 6/28/17 at 9:36 am
Posted on 6/28/17 at 9:34 am to Broke
Would you rather keep pissing money away on rent?
Posted on 6/28/17 at 9:35 am to Broke
It is worth it in the end. Renting sucks.
Posted on 6/28/17 at 9:35 am to Broke
quote:
So far I've given the mortgage lender every bit of financial info, my blood type and a kidney. I would rather be bit by a snake than do this again.
Get your credit score up over 650, baw.
Posted on 6/28/17 at 9:36 am to Broke
Yeh. Sucks to be a land owner.
Peasantry rules!
Peasantry rules!
Posted on 6/28/17 at 9:37 am to Broke
quote:
So far I've given the mortgage lender every bit of financial info, my blood type and a kidney. I would rather be bit by a snake than do this again.
It's a complete pain in the arse. Having to have your money sourced and seasoned was an unexpected bit that we had to deal with for our first mortgage, since part of our down payment was being given as a gift from in-laws.
Posted on 6/28/17 at 9:39 am to Broke
quote:
Home loans suck arse
Especially when you're
quote:
Broke
Posted on 6/28/17 at 9:39 am to Broke
I refi'd last year down to a 15 and it was pretty seamless. Maybe because I went through the same lender that did the original mortgage. Completed everything over email except the final documents which were signed in person in less than 15 minutes.
Posted on 6/28/17 at 9:44 am to Broke
I know this probably is not normal, but my paperwork is settled to close on my first home and I have had 0 hang ups.
Thought it was going to be way worse.
Thought it was going to be way worse.
Posted on 6/28/17 at 9:56 am to Broke
quote:
Home loans suck arse
Zillow and compare rates from online lenders. I have found that my experience dealing strictly with online lenders is much better than local shops.
Better rates, clearer line of communication, expectations are set along with time lines and closing costs are substantially less.
I don't need the hand holding or one-on-one in your face presentation. Everything today can be done via scanner and e-mail.
Posted on 6/28/17 at 9:59 am to Broke
quote:
So far I've given the mortgage lender every bit of financial info, my blood type and a kidney. I would rather be bit by a snake than do this again.
So they've probably gotten more info on you than thousands of Syrian refugees during the last months of the Obama term.
Posted on 6/28/17 at 10:01 am to Broke
You must not be a standard W-2 employee and do all kinds of shady shite with your money.
It shouldn't be that difficult.
It shouldn't be that difficult.
Posted on 6/28/17 at 10:03 am to Broke
And it doesn't matter what size or price home you buy, still just as painful.
Posted on 6/28/17 at 10:17 am to Broke
Wait till you make the first payments and realize only $90 goes to the principal and the rest goes to the interest.. 
Posted on 6/28/17 at 10:17 am to Broke
I used a mortgage broker and dont remember anything difficult. I met with him for about an hour, provided a few documents and that was about it. That was my first home I bought in 2010 though an FHA loan. I'm about to buy again soon so what kinds of issues are you guys having?
Posted on 6/28/17 at 10:20 am to Broke
It is because of the way you are paid. I just had to refinance my wife's student loan and it took forever because of how we are paid.
Posted on 6/28/17 at 10:31 am to Broke
I always pay cash for my houses.
Posted on 6/28/17 at 10:32 am to Broke
They definitely suck.
Posted on 6/28/17 at 10:34 am to Broke
Try the VA home loan route if you want to feel even more pain.
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