u/AssociateSwimming714

21M, California

Realistically what would I need to qualify for a $650k home loan?

Score is about a 670-685 across the board and improving

Only debt currently are my credit cards which are reporting near $0 now and my student loans which is at $51k. I finish law school in October of 2028.

Total income is about $113k per year, goes up annually about $10k per year.

Can’t use my VA home loan yet since I’m in the reserves and haven’t reached 6 years of service yet.

Opened the secured card in December with $200, increased to $400 in march. Graduated in June to $3k limit and got my secured deposit back. When can I apply for another CLI?

Currently about to apply for an auto loan. Looking to get a $70k car with about $35-$40k down. So about a $35k ish loan. Current score is 618 but will climb as late payments from boot camp are coming off in addition to all my my credit cards being paid down. Just wanna see what folks have gotten for auto loans with my score. By the time I’m ready to apply score will be around 660-670. Salary about $125k yearly without OT.

Cheapest place to park around CalPers in Sacramento? I’m 657 on the permit list so it’s gonna be a while before I get in the garage other than the free days. I see why the fight against RTO continues

Follow me it’s been a ride.

Went to BMT June 2025 and completed it. Went to tech school but no one from my unit started my TS application so I was effectively sent home after being there for 2 weeks not knowing that was going to be the result.

Came back went to a few UTA’s. My primary daycare provider for my daughter passed away(I’m a single dad) and so it became way harder to attend UTA’s while waiting for a slot to go back to tech school. Explored options and we learned ELS is probably the best option for now. I ended up talking to my girlfriend now fiancé and we both agreed it’s be best for her to watch my daughter. I let my leadership know and drafted a memo to have the process canceled. Now it’s important to note I’m apart of a geographically separated unit and our wing is nowhere near our squadron.

No one from the group or wing has approved the ELS as of yet and it’s been 2 months. So when I signed the ELS paperwork my SEL let me know that if it’s not declined or approved come August that I would still have to continue participating in UTA’s. Now their walking that back and citing IAW DAFMAN 36-2136, Reserve Personnel Participation, Table 1.2., Note 3."b it that has nothing to do with voluntary but involuntary administrative action citing I won’t be able to participate in UTA’s. Can someone HELP 😂

I’m in the US

Budget $13k most likely will buy USED

I’m 6’1 280lbs(weights going down). New rider and just wanted to see what bike works best for my size