Image 1 — Why in only 2 months my pre approval changed so much
Image 2 — Why in only 2 months my pre approval changed so much
▲ 2 r/HomeLoans+1 crossposts

Why in only 2 months my pre approval changed so much

Im a first time home buyer, because of suggestions, i decided to get a pre approval from my bank wells fargo, my 1st pre approval was given on 05/2026, it was $266k , purchase price $280k, down $14k.

2 months later my pior pre approval expired with same numbers as before no underwriting, the wells fargo loan officer came up with mortgage amount $240k, purchase price $280k, down $40k !, loan officers logic was its because of the new rate.

I told them to cancel my pre approval, going with other lenders , probably a broker, because im not putting down $40k lol.

Anyone know why in only 2 months time my down is so much more and mortgage amount less?, my numbers are the same in 1st and last pre approval.

u/el33t75 — 12 hours ago

Auction Vehicles are selling for cheaper than book recently

Is this a summer thing?, i noticed most vehicles are selling cheaper than what the book says , im talking about dealer auctions like Manheim, penske, metro,adesa.

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u/el33t75 — 4 days ago

Anyone else bought a e scooter because it was the fad back then

I purchased the blade 10 dual motor 3yrs ago and today its mostly collecting dust.

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u/el33t75 — 5 days ago
▲ 15 r/Subaru_Crosstrek+1 crossposts

18 Subaru Crosstrek Premium oil in coolant?

2018 crosstrek premium 4cyl 2.0L 143k miles, recently purchased this vehicle, coolant reservoir looks grayish same radiator cap, dip stick oil has a light coloring to it that can put my finger on, im in Az so its warm even in the mornings now, on cold start white smoke blows out the exhaust but then it disappears and does not come back till next cold start.

no chk eng light, does not over heat, drives good, my obd scanner does not mention anything that could be related to oil and coolant mixing.

OBD Results

u/el33t75 — 9 days ago

Boneloss due to infection, is it saveable?

https://preview.redd.it/s576vx02i49h1.jpg?width=4032&format=pjpg&auto=webp&s=6287ae8b38f3d810eee468438e1579d662540faa

The red area is where bone should be.

3yrs agoI had a root canal done in my tooth #2, about 10 month ago occasionally started feeling discomfort on that tooth, pain wasnt too bad so a ibroprofen usually did the trick to ease the pain, fast forward to 02/2026 my gums around the root canal were tender and inflamed so made an appointment to see my dentist turns out the crown cracked he refered me to a Endodontic specialist to see if the tooth is savable or not, turns out the infection on tooth 2 has been eating up the bone around it. from what i understood , dentist said it must be extracted , then insert implant and cover the extra space?.

Dentist or people who had similar experience , is there an alternative to this procedure, i feel no pain in tooth #2, pretty sure my insurance doesn't cover it, what would happen if just an extraction of the tooth was made ?

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u/el33t75 — 12 days ago
▲ 2 r/WindshieldRepair+1 crossposts

2016 Jeep Wrangler Unlimited Rubicon Sport Windshield features

I just purchased this vehicle, im getting the windshield replaced as its cracked, any special features on this windshield so i can get an accurate quote ?

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u/el33t75 — 16 days ago
▲ 3 r/fordfusion+1 crossposts

2017 2.0L Se 145k miles could it be the tranny

I recently purchased this vehicle, when i was testing it out (did not test drive) it didnt make this sound, i shifted into drive and rear and no sound, when i went to pick it up ,as soon as i turned the key this sound appeared, it makes this sound on idle and a bit louder when driving, no chk engine light , gears seem to shift good and passed emissions, is there a way to diagnose if its actually the transmission gone bad. I will take it to my mechanic later, just wanted to hear your guys opinion or suggestions.

u/el33t75 — 17 days ago

Hot weather runners depression

Update, yesterday 6/12 i went for my normal trail run and mileage, it was in the tripple digits but i decided to go anyway because it was cloudy and missed 2 days in this week, not gonna lie it was a bit harder but i pushed through, i drink 24oz water first thing in the morning to get everything going lol, on the day of the run i drank another 24oz of water prior to run and took my hydration pack, some hours after my run still experienced cramps in my legs im guessing from dehydration issues. I still plan to run next week, i noticed although its more sunny in the mornings weather is cooler .

I dont know if this even exist lol, i usually trail run 3x a wk about 6mi each session, I live in Phx,Az and this whole week i wasnt feeling it , wake up early enough but then go back to sleep , I been running on/off for over 25yrs, and not new to running in hot weather , i dont know if its because im getting older but this whole week i put off running.

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u/el33t75 — 24 days ago
▲ 0 r/Santiago+1 crossposts

Preguntas sobre exportar motocicletas de Los Angeles U.S a Cbba, Bolivia

Saludos, me encuentro en Arizona y qiero exportar 5 motocicletas de Los Angeles a Cbba, Bolivia, los puertos de embarcación mas cercanos a mi es Los angeles, las motos llegaran a Chile y de ahi pienso rentar un camion para entrar a Bolivia por tierra.

Alguien sabe que documentos mi van a pedir en Chile para sacar las motos, como estoy de paso en Chile y mi destino final es Bolivia tendre que pagar algún impuesto Chileño?, cuando llegue a la frontera de Bolivia algien sabe que documentos requieren de mi y las motos y cuanto cobran?. Gracias.

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u/el33t75 — 25 days ago
▲ 2 r/WholesaleRealestate+1 crossposts

Wholesalers that dont invest in repairs and sell as is

Im in Phx,Az and currently in the car selling business ,was looking for other ways to create wealth, recently i was looking at homes for my personal use and to live in, in the process homes that are literally total demos popped up in my search criteria, i know these are wholesalers, can you really get away from buying cheap and selling below market but still making a profit without doing repairs?, im guessing these homes are being sold at the PHX court in downtown and in cash as i dont think any lender would take that much of a risk.

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u/el33t75 — 1 month ago

I got lucky or things are getting better ........................................

I live in Az and since december 2025 i been calling trying to complete my nutrition benefits interview, in the process i had to start from scratch a couple of times because by the deadline no one would pick up , a week ago on the day of my deadline to conduct my interview i wasn't going to even call because i was expecting the same, but i wasnt doing anything important and had time so gave them a call and low and behold this time i got a live agent and not my benefits are renewed till next year.

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u/el33t75 — 1 month ago
▲ 1 r/trakt

When looking for media from within past media how to see the Imbd score on thumbnail

I often find my movies by going into a movie that i just watched and liked, ill just click on movie watched and search for movies with the director , actors ect, ect, i remember before you could see the imbd score in the thumbnail of movie now its not there.

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u/el33t75 — 2 months ago

Why is when WM x melanated woman date no one blinks an eye but on the reverse side its totally different

I know who cares what people think, but why in the U.S no one bats an eye when they see a WM with a melanated woman, but if its the other way around people make assumptions, oh he must be rich, must be well hung or she must have no education trailer trash.

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u/el33t75 — 2 months ago