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Started By
Message
re: Three derogatories are keeping me from buying a house
Posted on 2/11/23 at 6:15 pm to fallguy_1978
Posted on 2/11/23 at 6:15 pm to fallguy_1978
That
0
Posted on 2/11/23 at 6:37 pm to DiamondDog
You’ve had terrible luck then
Posted on 2/12/23 at 8:08 am to DiamondDog
quote:
f you're trying to buy your first home with your rate in the 6s, I question your decision making.
I can always refinance later.
Posted on 2/12/23 at 8:16 am to St Jean The Baptiste
I don't know that we'll ever see rates in the 2s and 3s again. Maybe I'll be wrong.
We've essentially been living in a free money bubble for 15 years.
We've essentially been living in a free money bubble for 15 years.
This post was edited on 2/12/23 at 8:22 am
Posted on 2/12/23 at 10:03 am to fallguy_1978
"We've essentially been living in a free money bubble for 15 years."
---
Reminds me of a salesman on the beach in Cancun. His opening line was "Almost Free Today." Still makes me smile when I think back.
---
Reminds me of a salesman on the beach in Cancun. His opening line was "Almost Free Today." Still makes me smile when I think back.
Posted on 2/12/23 at 10:25 am to St Jean The Baptiste
quote:
One is a Verizon bill from 2016 that Jefferson has taken over, and the other is Midland from 2018 from a credit card.
The third one I don’t think will affect me since it’s under $1,000.
How much are these 3 bills?
Posted on 2/12/23 at 11:11 am to Double Oh
1386 for Jeff
664 for Mid
1672 for Sun
I may just pay them off. F*ck it.
I can then save up for the 3 percent DP (8600) and get an FHA loan in Jan 2024.
664 for Mid
1672 for Sun
I may just pay them off. F*ck it.
I can then save up for the 3 percent DP (8600) and get an FHA loan in Jan 2024.
Posted on 2/12/23 at 12:40 pm to St Jean The Baptiste
quote:
1386 for Jeff 664 for Mid 1672 for Sun I may just pay them off. F*ck it. I can then save up for the 3 percent DP (8600) and get an FHA loan in Jan 2024.
You sound like the perfect DSLD candidate.
Posted on 2/12/23 at 12:50 pm to St Jean The Baptiste
No way you should be buying a house with that much debt in collections
Posted on 2/12/23 at 1:21 pm to Upperdecker
How do you rack up a $1600 Verizon bill? Lawd.
Posted on 2/12/23 at 1:27 pm to DiamondDog
Im assuming that guys not making payments and they’re killing him on interest. Probably missed a few months, then let it sit for 6 years in high interest or something
Posted on 2/12/23 at 2:58 pm to DiamondDog
quote:
DSLD
I don’t even want to know what that stands for.
Posted on 2/12/23 at 3:42 pm to St Jean The Baptiste
quote:
quote:
DSLD
I don’t even want to know what that stands for.
Trashy builder/mortgage company with neighborhoods full of trashy people.
Posted on 2/12/23 at 6:52 pm to St Jean The Baptiste
Dude pay those 3 bills off tomorrow.
Posted on 2/12/23 at 10:17 pm to armsdealer
Update: I have an approval!!!
Posted on 2/13/23 at 11:46 am to St Jean The Baptiste
quote:
Update: I have an approval!!!
Correct me if I'm wrong here, but nothing will close until these are paid off anyway? They will make you either pay them off before closing or at closing.
Posted on 2/13/23 at 12:38 pm to St Jean The Baptiste
I'm just curious who gave you an approval 
Also, prequal is just the first part. Then they do a deep dive.
Also, prequal is just the first part. Then they do a deep dive.
Posted on 2/13/23 at 1:42 pm to DiamondDog
quote:
Also, prequal is just the first part. Then they do a deep dive.
Yeah, that is what I remember. A few days before my last closing is when they told me I had $216 from ATT for Uverse where I forgot to send back the equipment, etc..
I just paid it at closing.
No way you get all the way through closing with those 3 being that large.
Posted on 2/13/23 at 2:05 pm to St Jean The Baptiste
quote:
have no clue how you people behave like you do. Considering your train of thought, you'll probably default sooner or later anyways.
quote:
Sorry for partying.
Posted on 2/13/23 at 2:23 pm to DiamondDog
quote:
If you're trying to buy your first home with your rate in the 6s, I question your decision making.
FHA may be your better bet but man, your rate still gonna be tough as a pair of cowboy's nuts.
Or just refinance when the rate dips into the 4s. Not everyone can wait years and years for the perfect financial situation.
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