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Money Talk
re: So which fees are legit and which are not? TIA - CajunTigerBabe
BTW, I am licensed to do loans in Texas too. Let me know if you want to talk. I can get you closed in about 20 days. ...


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Money Talk
re: So which fees are legit and which are not? TIA - CajunTigerBabe
Unless they did credit repair on you the credit report fee is excessive. Appraisal shouldn't be more than $450. Why are you paying a discount fee. You shouldn't be buying down a rate with current interest rates. 1% orig is standard but you can get out of it if you ask. So, you are paying too much. A...


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Money Talk
re: PMI Calculations for Home Mortgage - CajunTigerBabe
The more you put down and the higher your credit score, the lower your PMI on conventional loans. It is that simple. FHA and RD have the same rate no matter what you put down or your FICO score. ...


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Money Talk
re: Marital property question - CajunTigerBabe
You need to call a Real Estate attorney. You may need up get a pre-nup. ...


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O-T Lounge
re: Any other Michigan fans in the Lafayette area? - CajunTigerBabe
Love the new Fat Pats. Hate Michigan!...


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O-T Lounge
re: Do people actually think Jennifer Hale is hot? - CajunTigerBabe
She is an awesome person. She was an LSU Cheerleader in the late '90s. She is beautiful and has always had a great body. Any one of you douche bags would be lucky to sit next to her much less hit it. ...


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O-T Lounge
re: GMT, good to be a Tiger edition .... - CajunTigerBabe
Les Miles Rant made my day!! Good Morning!!...


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Money Talk
re: FHA VS Conventional - CajunTigerBabe
If you have at least a 720 and can put 5% down, go Conv. You will save money on up front MI and monthly MI is lower. Rate may be slightly higher, but still the better loan. ...


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Money Talk
re: Expedite the closing on a home as a seller - CajunTigerBabe
Nobody can expedite RD. Sorry. They are underwriting files received on Oct. 22nd as of Friday. It will be a while....


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Money Talk
re: Expedite the closing on a home as a seller - CajunTigerBabe
Rural Development is very backed up. My RD loans are taking over 45 days now. It is not the lenders fault. Blame it on the government. ...


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Money Talk
re: PMI bullshite - CajunTigerBabe
[quote]If you re-finance do you have to start over and pay off 20% of the refi amount or is it still 20% of the original loan amount?[/quote] When you refinace, you go by appraised value. So, in order to get out of PMI on a refi, you must have at least 20% equity in the home. This is determined b...


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Money Talk
re: PMI bullshite - CajunTigerBabe
First of all, you can't turn around and refi. There is a 12 month waiting period for you to use appraised value. Some lenders let you do up front MI (UFMI). This is a percentage of your loan. You can pay it in cash or finance it back into the loan. It would be somewhere around 1.25% depending on ...


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O-T Lounge
re: Do you find it attractive when ladies say vulgar words? - CajunTigerBabe
[quote]Why did they use such an ugly word for such a great thing?[/quote] Penis and scrotum aren't exactly great words either. Sounds more like a science project then a tool used for pleasure. ...


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O-T Lounge
re: Do you find it attractive when ladies say vulgar words? - CajunTigerBabe
[quote]I don't like 'em drinking beer from a bottle , either. Looks trashy.[/quote] You need to take the bowtie off and loosen up. I love an ice cold longneck. I love the way the bottle feels on my lips. A glass just isn't the same. ...


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Money Talk
re: Improving credit score. - CajunTigerBabe
[quote]Credit Karma says 778 right now... So I should request 10k from Amex?[/quote] What is Credit Karma? If it ain't FICO, then it ain't shite. ...


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Money Talk
re: Improving credit score. - CajunTigerBabe
[quote]Where do I look for a card with this type of limit? Our chase freedom card bumped us up to 3200 last year, but this is dicey since we try and put most on it for cash back. If I were to get a better card should I close other lower limit accounts? I had a card cancel on me bc I hadn't u...


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O-T Lounge
re: Looking to get the fiance a puppy. Most overrated and Underrated dog breeds. - CajunTigerBabe
[quote]Go rescue one from the shelter. You'd be keeping a dog from getting put to sleep. Plenty of loveable cute dogs there.[/quote] This! Go save a life. These are the most thankful animals. I have a full bread Yorkie that I rescued. ...


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Money Talk
re: Improving credit score. - CajunTigerBabe
[quote]What should I ask for my limit to be if I am spend roughly 3k a month on the same card?[/quote] $10K- you dont really want to use more than 30% of your limit. I do rapid rescoring at my office and I run scenario credit programs. My advice is legit. ...


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O-T Lounge
re: Best hole-in-the-wall bars - CajunTigerBabe
[quote]Figured as much. But is there a good vibe in there? Or could shite hit the fan by not ordering lite beer?[/quote] Beer or Whisky, it's all good! Old country music on the juke box. Sometimes they order pizza when everyone gets hungry. It's the kinda place to just sit and drink or get hammere...


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Money Talk
re: Improving credit score. - CajunTigerBabe
[quote]After doing a little more research by only paying my statement balance I am doing what most consider paying my balance in full. The biggest draw back is that I come close to my card limit each month. This doesnt allow for any wiggle room if I put a lot on the card two months in a row.[/qu...


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Money Talk
re: Improving credit score. - CajunTigerBabe
Only a $100 balance is good. You could go down to $50 to pay less interest. When you use a card and pay it off every month (depending on when the card reports) it will show inactive. If you keep a very small balance it will report basically as a responsible use of credit and your score will go up. I...


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O-T Lounge
re: Best hole-in-the-wall bars - CajunTigerBabe
[quote]Boudin, have you ever been inside Old Coullee lounge? It looks like pure trash from the outside.[/quote] Yep, it is a good Ole hole in the wall! Vinyl table clothes and a great juke box. The smell of smoke is so bad, it takes 3 showers to wash it off. ...


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O-T Lounge
re: Best hole-in-the-wall bars - CajunTigerBabe
[quote]The Ole Coullee Lounge! [/quote] :bow: City Bar in Maurice is still a hole in the wall too. ...


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Money Talk
re: Spinoff: what are good ways to build.. - CajunTigerBabe
[quote]quote: Is there any way I can find out if a credit card reports to all 3 bureaus? dont know if you find out let me know[/quote] You can pull your credit report free online once a year. You can also go to myfico.com to look at your FICO scores. I think you can buy 2 of the th...


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Food and Drink Board
re: So Mr Bs is out for rehearsal dinner. Why the high minimums? Any ideas? - CajunTigerBabe
Does the $4K include alcohol? If it does, it really isn't that bad. If it doesn't, then that is way too much. We went to Arnaud's Saturday night and spent almost $200/person. ...


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O-T Lounge
re: I've decided to join the Army - CajunTigerBabe
:rotflmao:...


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O-T Lounge
re: Which OT chick posts the hottest IYO? - CajunTigerBabe
You are too bald, too fat and too stupid for me. Now go choke your chicken!...


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O-T Lounge
re: Which OT chick posts the hottest IYO? - CajunTigerBabe
Some jerk face said my screen name made me sound fat!!!!!...


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Money Talk
re: Improving credit score. - CajunTigerBabe
The charge is too much. Read the thread. ...


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Money Talk
re: Is having a credit score really necessary? - CajunTigerBabe
Don't be stupid. A person can use credit with out being in a lot of debt. ...


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