u/Seapaisleys

Husband purchased home before we ever met and it ended up having major issues he could not afford to fix so he was able to get an assumption. It’s been working out great the last 4 years however it is still on his credit report (purchaser has been waiting for interest rates to go down to refinance loan). We were trying to buy a house this summer and we have all the paperwork for the assumption clearly stating the other guy is responsible for the payments, taxes, etc. and we gave them 4 years of bank records showing he pays it. My loan finance officer said this proof should be what they need to remove the debt from our monthly expenses in underwriting. The VP of underwriting threw her a curveball and said if it’s on his credit report then they have to count it against us (even though we have all the supporting documentation to say we don’t make the payments). She was shocked they would not accept it and therefore the debt to income from that assumption was added to our loan and lead to a denial. Has anyone experienced this? Is our lender just being an asshole? Anyone with a current assumption on their credit report able to buy a house and have it removed from their debt to income calculation?

Would love to know your experience. Planning on delivering at a hospital but would like as little medical intervention as possible. (Obviously if it doesn’t go my way I will do what is necessary to protect myself and baby).

This morning I got up and had poptarts followed by cereal. Then I walked the dog and came back and had ice cream and sat in front of a fan to cool off. Then I had a hot pocket. It’s only 11am yall! LOL

Planning to announce our baby name tomorrow! Just curious how much roast we are in for. I let my husband pick and he chose the name Drake for our boy. Thoughts?

Originally got a ball because my baby is breech and I read that it helps open the uterus/pelvis to give baby room to turn. But it’s had the amazing side effect of gas relief! No joke I farted 20 times in the first hour of use and now I feel amazing. PSA don’t do this in front of your partner cause mine walked out of the room with how much fun I was having (the smell also had something to do with it). Enjoy!

This is meant to be rhetorical. However, nothing makes me sadder than when I put on a fresh pair of underwear and then sneeze and immediately ruin them 😂

Curious how everyone would allocate this money. We have $25K in savings. Credit card is 22k at 4% (~$75 interest/month) and car is 13K at 9% ($100 interest/month). The credit card is our one and only and we plan to continue to use but ideally you payoff the balance every month. What is the smartest way to pay off this debt?

Curious how everyone would allocate this money. We have $25K in savings. Credit card is 22k at 4% (~$75 interest/month) and car is 13K at 9% ($100 interest/month). The credit card is our one and only and we plan to continue to use but ideally you payoff the balance every month. What is the smartest way to pay off this debt?