Image 1 — Let me know what you think about the two loan estimates
Image 2 — Let me know what you think about the two loan estimates

Let me know what you think about the two loan estimates

Trying to compare the two lenders. One is the in house lender and the other is not.

The in house lender wants me to get my score up to a 640 I’m at a 624 but did give me a loan estimate. Comes with other goodies like lender credit in the amount of $2,000.00 to cover Loan Administration fee, and a portion of the appraisal fee. In addition, Seller will cover the following:

  1. Up to $750.00 for Buyer's Homeowner Insurance premium and/or insurance escrows. No approval with in house yet.

The other lender gave me a conditional approval but I need to have 7500 in reserves before closing plus they were able to add on a grant.

The in house lender has the higher rate. This is for a To be built well now under construction

u/Rich_Associate_5019 — 11 days ago

Connections Academy vs Stride K12

Hi I am trying to compare the two. Right now I am with Stride and my workload is a bit much to the point where I am sick. I don't know what to do. I am truly stressed out. It is mostly due to a lot of things not being done before I came on and now it is all being put on me.

I am wondering how is the workload at Connections Academy plus the pay. Thank you!

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u/Rich_Associate_5019 — 1 month ago

My new kitten is here and big sister is not happy!

She’s so adorable! I’m new to the cat world lol. We got Noelle in March and Pumpkin this month! So far big sister is not a fan. She hisses at her. For now we keep them separate .

How long did it take your cats to like each other?

u/Rich_Associate_5019 — 1 month ago

Do you mind sharing your experience with Veterans United, Cardinal Financial and Guild Mortgage?

I would love to know your experience and who gave you the best rate, closing cost etc and if you don't recommend either of the 3, why? I am not a Veteran but Veterans United is local to me and the loan officer I have been working with is pretty amazing but they seem to require more from me as with the other two it is not as much file wise.

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u/Rich_Associate_5019 — 2 months ago
▲ 7 r/Mortgages+1 crossposts

Do you mind sharing your experience with Veterans United, Cardinal Financial and Guild Mortgage?

I would love to know your experience and who gave you the best rate, closing cost etc and if you don't recommend either of the 3, why? I am not a Veteran but Veterans United is local to me and the loan officer I have been working with is pretty amazing but they seem to require more from me as with the other two it is not as much file wise.

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u/Rich_Associate_5019 — 2 months ago

Out of State transfer to New Mexico, how long did it take?

I will be teaching for New Mexico online and I would love to know how long did it take for the department to look over your license etc. Thank you!

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u/Rich_Associate_5019 — 3 months ago

Would making a bit more make you not have to pay off every collection to be approved?

Sorry if this is a dumb question but say you were making 53k a year and was denied a preapproval and was told to pay down collections, you recently got promoted and now make 72k a year.

Would you still need to pay off the collections for a better credit profile to be approved?

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u/Rich_Associate_5019 — 3 months ago

Finally under contract and I’m so excited but nervous!!!

Finally under contract and I’m soooo happy! It’s a To be built and I’m the first house on the block! Truly never thought this day would come.

I would love any advice or tips! It will take 6-8 months!

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u/Rich_Associate_5019 — 3 months ago
▲ 11 r/Tenant

Move out Inspection and trying to understand a few things.

I recently move out of a house that I rented from a private owner. When I moved in I had to get it cleaned plus my realtor had to make sure that they cut the grass because it was out of hand.

I wrote down and took some pictures of all the things I saw especially the cracks in the floor and the walls etc. plus it needed a paint job. Well the landlord said that’s all cosmetic and it will kit get fixed.

Okay now I have moved out and the realtor was like paint this and that and took pictures of the walls and floors. He said that the paint job etc will be deducted from my deposit. The crazy thing is the prior tenant told me they received their full deposit back and did not paint anything they just had it cleaned which I did too.

I even had the cleaner come back out due to the realtor asking.

Anyone ever went through anything like this? I always get my deposit back and it’s weird that I was told cosmetic when I talked about the floor and paint issues but now it’s going to be deducted.

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u/Rich_Associate_5019 — 3 months ago
▲ 0 r/Tenant

What’s the fastest time you have received your deposit back?

What’s the fastest time you have received a deposit back, especially if it was from a private owner.

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u/Rich_Associate_5019 — 4 months ago

If you had to choose between builders who would you go with Lennar or D.R. Horton and why?

If you had to choose between builders who would you go with Lennar or D.R. Horton and why?

It has to be between the two lol

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u/Rich_Associate_5019 — 4 months ago
▲ 2 r/TempleTX+1 crossposts

DHI Home buyers club information ❤️

Anyone in this program or actually have a great outcome from it and how long did it take? Thank you!

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u/Rich_Associate_5019 — 5 months ago

Is this a Texas thing with older white men calling you girl and gal?

I was talking on the phone to a client and he was like, “Okay girl, I mean ma’am.” Older white male in his 60’s.

I’m in Texas so is that a Texas thing I wonder lol. I’m not from here.

Also when I was giving birth to my daughter well I was getting a epidural the anesthesiologist said, “Come on gal!”

Felt like I was in the slavery days lol

Anyway what’s your experience?

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u/Rich_Associate_5019 — 5 months ago

Any chance of receiving a refund?

I paid the admin fee and application and nothing has been processed or anything at all. Paid it Saturday and it’s Thursday. Any chance I can receive a refund since nothing has been done and it’s just sitting there.

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u/Rich_Associate_5019 — 5 months ago

Just received Inova Settlement!

I forgot all about this one but just received it!! Received 61 in my account.

Lugo v. Inova Health Care
Services Settlement
Administrator paid you $61.45
Your Lugo v. Inova Health Care
Services settlement payment

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u/Rich_Associate_5019 — 5 months ago