u/FearTheGrackle

Listing at 675k started at 825k.

Buying at 660k
33k down (5%)
3% concessions towards a 2-1 buydown ($14500 or so plus another $5300 towards closing)
Lenders title policy paid by seller
45 day close
750 credit scores
323k combined income, 25% DTI

I have pre approvals from NFM and Tomo, around 6.625% with no points buydown. Hoping to refi in 2 years and betting on a rate drop in that time so not wanting to do a rate buydown that would take 5+ years to recoup. Tomo does no refi cost if we have the mortgage through them.

Any opinions on one vs other? Any others your recommend? home Simply cold called me today offering 6.5% but unclear on their costs to do that, he said that’s not buying any points. Might do a pull with them to get Tomo to match that rate if so

49yo male, was a few years late on my first preventive screening. Did prep Monday, worried that the BM was still brown Tuesday morning, but the very next poop was just pure yellow and clear liquid. So phew.

Went in for the procedure at 11, they found 10mm and a 15mm polyps and removed them. Sent them off but doctor seems not concerned.

Around 8pm I had my first BM after the procedure and it was very bright red. Waited for the next one 30 minutes later, and basically filled the bowl with bright red water and blood. Called the doctor and they tried to tell me it’s normal? That some red streaks are fine, but this was more than that. Toilet paper looked like a murder scene wiping after a BM.

Ended up going to the ER at 10pm. They did a CT with contrast and luckily didn’t see anything indicating a massive blood leak, and my bloodwork showed some blood loss but nothing toooooo urgent. Stayed overnight, and at 9am they suddenly say “slam this prep again, you are getting scoped in 3 hours”.

Sure enough, not polyps removed had not been closed properly. They went back in, sprayed them with some healing spray, and put clips on them. Was moved to an actual room around 4pm after 18 hours in the ER gurney, and this morning having mostly clear poop again. Some slight red but more like expected. I probably could have fought to stay another night for observation, but at this point just wanted to get home.

TLDR: you know your body best. If something seems wrong, don’t let the on call doctor tell you differently. Worst case you waste some time, best case you avoid it getting worse and losing a lot of blood

Also, this does happen in a small number of cases. It’s not a reason to avoid the procedure! I’ll go back in 3 years again as instructed

Have my first procedure tomorrow. Took the plenvu at around 5.15 today, around 6.15 had my first poop. It’s now 3 hours later with probably 8-10 rounds of brown water. I have the 5.30am dose 2 still to come, but at what point should it really become lighter color and more towards yellow?

Dr. was shocked that previous podiatrist got it wrong. I’ve been wearing custom orthotics for the last 15 years or so, and went in to get a new pair. This was my first time doing 3-D scanning and gate tracking rather than the traditional clay mold. They did about a dozen x-rays on each foot.

My right foot he said it’s flat with about a 15% talus bone overhang. My left foot he used the word hideous lol. > 50% talus bone overhang causing massive arch and ankle pain. The real kicker he’s said is that if this was caught 20 years ago properly, they could’ve done surgery with a high degree of success, but that now the success rate is much lower FML.