re: Heard Dave Ramsey's daughter speak at a luncheon a few weeks ago

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Out of curiosity I looked into this one time and I remember them being a good bit above what I was seeing as the going rate

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Dave never mentions that but I wouldn't doubt it at all. I doubt if you don't have a great credit score you will be able to obtain a great rate, it's that simple.

There's quite a few small things like that that Dave leaves out that are quite a big deal but don't go with what he teaches. He has to make his money, so it's not exactly NPR. Not saying it's right or wrong, it is what it is.

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Out of curiosity I looked into this one time and I remember them being a good bit above what I was seeing as the going rate

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This is the way of every Ramsey ELP. And people blindly use them based on Ramsey referral. My buddy just switched over there and is killing it with less competitive products. Nashville home prices are up 37% from last year alone. 87% over three years. But yeah, no 30 year mortgages. Always have 20%, even with no kids, credit, or student debt. One size fits all financial advice.