u/WeakGeneral6463

Hello all!

My husband and I currently reside in rural TN; we are interested in becoming homeowners by this time next year. We have intentions of going with a FHA, as USDA is not an option due to an old bankruptcy of my husband’s (young and dumb). We have already pre-qualified for a traditional FHA for a few hundred thousand, however since we aren’t intending on moving for another year, we don’t plan on acting on it at this time. In the meantime, we are paying off all of our debt (luckily we don’t have much) and putting money into savings. During this idle period of working towards our home, we’ve been tossing around two ideas, 1) buy a home with traditional FHA then tweak/add to it over the years, or 2) get land then build our home with the FHA One-Time Close Construction-to-Permanent Loan. The way we look at it, HYPOTHETICALLY, we could take out a traditional FHA for $325k and buy a home, or we could fit land and all other home building costs under the alternate FHA construction to permanent loan for the same $325k…

With all of that being said, here comes the big question, would it be better to buy or build? Pros and cons to both? Are we thinking about this right? We’d love to hear everyone’s opinions and experiences, in a polite manner please! :)

** edit to add : $325k is HYPOTHETICAL. That is not our “set in stone” budget. Just a number I drew to sort of help explain how we were looking at it. **

Hello! I’m a newbie here!

I’m looking for any and all tips or help I can get when it comes to working medical claim denials! For context, I’ve recently transitioned to denials but been in the medical field for a bit now. My team tells me I’m doing great, but I don’t feel like it haha! I started out as a receptionist, then roughly a year and a half into that, I got moved to a department where I basically dealt with patient billing disputes, explanations of billing, etc. I held that role and succeeded at it for another year and a half, then got promoted to denials… all that to say, I feel LOST! Everything I thought I knew from my last position seems to be null and void because I’m on the flip side of things. I know how to resolve simple denials, but a lot of coding related denials have me clueless. I also have a hard time understanding “when to adjust, when not to adjust”. Please help me! If there’s any online courses that could help, please let me know! I’m just at a loss and trying to learn as much as I can but I can’t help but feel behind. (( FYI, I am not trying to go back to college but wouldn’t mind taking a class or a course or something if it would help me ))

Edit to add: No, I am not asking a “specific question”. Ex. If you had a child that was going into denials and asked you for any advice or tips or any general information to help them succeed within denials, that is the sort of “advice” I would like to see here. Not unnecessary comments saying “what do you even need” or “how do you expect us to help”. If you can’t contribute positively, keep it pushing honey 🫶🏼

Hello! My husband ends his chapter 13 bankruptcy in July, and we are currently in May. We are in the process of trying to purchase a home. He makes $65k a year, and I make $40k, so our combined HH income is a little over $100k. My credit score is in the 700s, and his is in the 600s. We both meet the minimum credit qualifications to qualify for FHA. We are entering the approval phase in incoming weeks and are curious of what this process has looked like for others. So far, they’ve told us there is a possibility he could be on the mortgage and that we more than likely just wouldn’t be able to actually purchase until July. I’d love any advice or to hear from those that have navigated something similar, and how that experience was. Thanks in advance!