u/Aggressive_Top_319

I don’t like taking my aligner off and putting it back on because of how dirty it feels after I take it out. I don’t have an automatic cleaner, so I usually just rinse it with water and use soap to clean it, but I still feel like it’s not completely clean.

Sometimes I don’t clean it at all and just rinse it with water, so I feel more inclined to only wear it at certain times.

For people who have to take their aligners out and put them back in throughout the day, how do you clean them? Especially with all the saliva and stuff that gets on them...I don’t really want to put it back in unless I feel like it’s completely clean.

Any suggestions would be appreciated!

I’ve been on Marketplace health insurance/Obamacare for years now, and last year when I filed my taxes, I had to pay some of the premium tax credit back. Does anyone know why that happens?

Anyways, I don’t really use my insurance since I pay around $100/month and barely ever go to the doctor. I’m thinking about switching to a regular individual health insurance plan since my workplace doesn’t provide insurance and I need to get my own.

Can anyone recommend a place/website to start looking? I honestly have no idea where to start

I've been house hunting since June/July, so I started doing soft and hard credit checks around that time. I heard that multiple credit checks for the same type of loan within a 45 day window are generally treated as a single inquiry.

Unfortunately, I'll have to do another credit check starting this month because I'm still shopping around with different lenders, especially since the interest rates are high and I haven't found a house I really like yet.

Would doing another credit check affect my credit score again (if so, by how much?), since it's been a few months since I started shopping around?

First time home buyer here and I’ve been looking for a house for 2 months now, but I still haven’t found one that I really like or feel like I want to buy.

At this point, I’m starting to wonder if maybe I’m just not mentally ready to buy yet. Buying a house is such a huge financial commitment, and maybe I’m hesitant because I’m scared of making the wrong decision. I honestly don’t know.

How do you know when you see a house that you actually want to buy? If there's a one decent house I like, I keep finding stuff that are not my taste.

It’s honestly getting frustrating because I can’t keep looking at houses forever. I’ve been doing this for months and I’m getting tired of it. Maybe it’s just not the right time for me to buy?

My plan is to buy a house, live there for 4-5 years, then sell it and either move to another state or buy a bigger/nicer house. I’m just tired of renting and having to move all the time, which is a big reason I want to buy now.

I guess I’m just struggling with figuring out whether I haven’t found the right house yet or if I’m not actually ready to buy.

First time home buyer here!

How does paying loan officers, realtors, and mortgage brokers work?

I’m working with a couple of loan officers and realtors, but none have explained their commission or how they get paid, so I’m confused. I don’t want to move forward, sign anything, and later find out about hidden costs.

Is their commission included in closing costs, or do buyers ever pay out of pocket? Should I just ask them directly before doing anything?

I’ve also heard some realtors give part of their commission back to buyers--is that true?

Also, is it worth hiring a mortgage broker as a first time buyer to get the best rates? I’m mostly looking at credit unions, but I’m not sure how much value a broker adds, and whether they charge fees.

I'm a first time home buyer trying to purchase a home in few months!

I’m mostly planning to compare 3-4 different credit unions to get rates and then compare, but I’m not sure how much value a mortgage broker actually adds, or whether they charge fees. I’m also not even sure where to find a mortgage broker.

Is it common for first time home buyers to use one, or is it fine to just compare credit unions on my own and handle everything on my own?

I'm trying to decide between a private lender and a credit union for a mortgage. Is one generally better than the other?

Also, is it normal to talk to multiple lenders and give them your info before choosing one? I want to shop around, but I'm a little concerned about sharing my information with too many places.

When do you usually tell a lender you won't be moving forward with them? I'm worried they could charge me for checking my credit or for reviewing my information and discussing loan options.

First time homebuyer here!! I'm trying to decide whether to work with a private lender or a credit union for a mortgage.

Is it generally better to go with a credit union, or does it just depend on who offers the best rates and loan programs?

Also, is it normal to give your information (credit score, employment history, income, etc.) to multiple lenders for soft credit checks before deciding who to work with? I want to shop around, but I'm a little concerned about sharing my information with too many people and whether there are any costs involved.

Any advice is appreciated!