| Money Talk|| re: So which fees are legit and which are not? TIA - CajunTigerBabe on 11/29/12 at 7:15 pm|
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. ...
| Money Talk|| re: So which fees are legit and which are not? TIA - CajunTigerBabe on 11/29/12 at 7:12 pm|
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...
| Money Talk|| re: PMI Calculations for Home Mortgage - CajunTigerBabe on 11/29/12 at 7:07 pm|
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. ...
| Money Talk|| re: Marital property question - CajunTigerBabe on 11/27/12 at 8:15 pm|
You need to call a Real Estate attorney. You may need up get a pre-nup. ...
| O-T Lounge|| re: Any other Michigan fans in the Lafayette area? - CajunTigerBabe on 11/23/12 at 7:04 pm|
Love the new Fat Pats. Hate Michigan!...
| O-T Lounge|| re: Do people actually think Jennifer Hale is hot? - CajunTigerBabe on 11/18/12 at 6:04 pm|
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. ...
| O-T Lounge|| re: GMT, good to be a Tiger edition .... - CajunTigerBabe on 11/18/12 at 8:32 am|
Les Miles Rant made my day!! Good Morning!!...
| Money Talk|| re: FHA VS Conventional - CajunTigerBabe on 11/17/12 at 9:23 pm|
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. ...
| Money Talk|| re: Expedite the closing on a home as a seller - CajunTigerBabe on 11/17/12 at 9:20 pm|
Nobody can expedite RD. Sorry. They are underwriting files received on Oct. 22nd as of Friday. It will be a while....
| Money Talk|| re: Expedite the closing on a home as a seller - CajunTigerBabe on 11/17/12 at 8:08 am|
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. ...
| Money Talk|| re: PMI bullshite - CajunTigerBabe on 11/16/12 at 2:08 pm|
[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...
| Money Talk|| re: PMI bullshite - CajunTigerBabe on 11/15/12 at 2:32 pm|
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 ...
| O-T Lounge|| re: Do you find it attractive when ladies say vulgar words? - CajunTigerBabe on 11/14/12 at 3:52 pm|
[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. ...
| O-T Lounge|| re: Do you find it attractive when ladies say vulgar words? - CajunTigerBabe on 11/14/12 at 3:45 pm|
[quote]I don't like 'em drinking beer from a bottle , either.
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. ...
| Money Talk|| re: Improving credit score. - CajunTigerBabe on 11/14/12 at 3:41 pm|
[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. ...
| Money Talk|| re: Improving credit score. - CajunTigerBabe on 11/14/12 at 3:40 pm|
[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...
| O-T Lounge|| re: Looking to get the fiance a puppy. Most overrated and Underrated dog breeds. - CajunTigerBabe on 11/14/12 at 1:11 pm|
[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. ...
| Money Talk|| re: Improving credit score. - CajunTigerBabe on 11/14/12 at 1:05 pm|
[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.
| O-T Lounge|| re: Best hole-in-the-wall bars - CajunTigerBabe on 11/14/12 at 1:00 pm|
[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...
| Money Talk|| re: Improving credit score. - CajunTigerBabe on 11/14/12 at 12:48 pm|
[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...
| Money Talk|| re: Improving credit score. - CajunTigerBabe on 11/14/12 at 12:45 pm|
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...
| O-T Lounge|| re: Best hole-in-the-wall bars - CajunTigerBabe on 11/14/12 at 12:32 pm|
[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. ...
| O-T Lounge|| re: Best hole-in-the-wall bars - CajunTigerBabe on 11/14/12 at 12:30 pm|
[quote]The Ole Coullee Lounge! [/quote]
City Bar in Maurice is still a hole in the wall too. ...
| Money Talk|| re: Spinoff: what are good ways to build.. - CajunTigerBabe on 11/13/12 at 2:34 pm|
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...
| Food and Drink Board|| re: So Mr Bs is out for rehearsal dinner. Why the high minimums? Any ideas? - CajunTigerBabe on 11/13/12 at 11:54 am|
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. ...
| O-T Lounge|| re: I've decided to join the Army - CajunTigerBabe on 11/13/12 at 11:48 am|
| O-T Lounge|| re: Which OT chick posts the hottest IYO? - CajunTigerBabe on 11/12/12 at 6:29 pm|
You are too bald, too fat and too stupid for me. Now go choke your chicken!...
| O-T Lounge|| re: Which OT chick posts the hottest IYO? - CajunTigerBabe on 11/12/12 at 5:51 pm|
Some jerk face said my screen name made me sound fat!!!!!...
| Money Talk|| re: Improving credit score. - CajunTigerBabe on 11/12/12 at 5:40 pm|
The charge is too much. Read the thread. ...
| Money Talk|| re: Is having a credit score really necessary? - CajunTigerBabe on 11/12/12 at 5:38 pm|
Don't be stupid. A person can use credit with out being in a lot of debt. ...