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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 9:36 am to BRgetthenet
quote:
Would you rather keep pissing money away on rent?
Whoa, Broke don't pay rent. This is a refi to go down to a 15 year loan. Credit score is 808
Posted on 6/28/17 at 9:37 am to GetCocky11
quote:lol
It is worth it in the end. Renting sucks.
if broke is who i think he is, he owns more property around BR than trump does in NYC
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 9:38 am to jdd48
quote:
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
This is the only part I don't have to deal with since there is about $130,000 in equity in the home.
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 9:40 am to Eli Goldfinger
quote:
Get your credit score up over 650
frickin' white privilege!
Posted on 6/28/17 at 9:43 am to NewIberiaHaircut
quote:
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.
I tried that 2 years ago when the appraisals in our area were wonky and I'm just now doing it again. But I refused to use that same company because they have no idea what they are doing.
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 9:45 am to Broke
Everybody on the OT just pays cash.
Posted on 6/28/17 at 9:46 am to BlackHelicopterPilot
quote:
Having to have your money sourced and seasoned
This. Sold a car I had shortly before buying my house. They wanted so much documentation on why I had put that large of a cash deposit in my bank account.
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 9:58 am to Will Cover
better than renting
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.
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