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Old 02-12-2013, 11:33 PM   #97541
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I don't qualify for FHA. I don't have 12+ months of 3 open trade lines currently (such as 2 credit cards and a phone bill). Though I do have a pretty darn good score for my age. The way it was explained to me it made it seem like they want you to have debt to get into even more debt I'm still quite new to the financial aspect of this but it's coming together. We drove by probably about 10-12 houses today that were on our list and knocked it down to like 3-4 that we thought would be worth seeing. Gonna contact a realtor tomorrow and go from there. So hard not to get all giddy and get hopes up on a house that could potentially be gone before you even have a chance to look lol

And by extra bs I'm sure you're referring to pmi insurance and all that jazz? Shits retarded. I'd get more enjoyment out of wiping my ass with that money and lighting it on fire (outdoors of course) cuz that's literally what you're doing. There are tax credits for people with pmi but it's only about 1/8th-1/4 of what you pay into it
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Old 02-13-2013, 06:33 AM   #97542
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Mornings!
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Old 02-13-2013, 06:36 AM   #97543
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Morning.

I r go back to sleep?
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Old 02-13-2013, 06:52 AM   #97544
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classy kitteh! nice avatar choice
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Old 02-13-2013, 07:17 AM   #97545
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Do an fha loan unless you have 20% down. Is recommend having that though. There's extra bull shit if you dont
Speaking with my mortgage guy u only need 5% and he worked out FHA will cost more in long run.
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Old 02-13-2013, 07:20 AM   #97546
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Mornings!
Call this guy, his name is Benji. (313) 917-8091.
His office is in livonia on6mile and haggerty. His owns vista team for morgages. Tell him u know Scotty with accent.

Also for first time buyers u could get $3k but it's first come first serve deal.
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Old 02-13-2013, 07:26 AM   #97547
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I don't qualify for FHA. I don't have 12+ months of 3 open trade lines currently (such as 2 credit cards and a phone bill). Though I do have a pretty darn good score for my age. The way it was explained to me it made it seem like they want you to have debt to get into even more debt I'm still quite new to the financial aspect of this but it's coming together. We drove by probably about 10-12 houses today that were on our list and knocked it down to like 3-4 that we thought would be worth seeing. Gonna contact a realtor tomorrow and go from there. So hard not to get all giddy and get hopes up on a house that could potentially be gone before you even have a chance to look lol

And by extra bs I'm sure you're referring to pmi insurance and all that jazz? Shits retarded. I'd get more enjoyment out of wiping my ass with that money and lighting it on fire (outdoors of course) cuz that's literally what you're doing. There are tax credits for people with pmi but it's only about 1/8th-1/4 of what you pay into it
grab yourself an AMEX or other low limit credit card and just use it to buy gas and pay it off every month. we ran into the same thing with Courtney when trying to get pre-approval. she's had her new amex for 3 months and somehow she's now qualified for a mortage from the same place that said she needed more open credit lines just a few months ago.
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Old 02-13-2013, 07:34 AM   #97548
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Its all bull shit.

Fha will cost only a couple hundred more over the life.

Its the pmi that comes from putting under 20% down that adds the most to your mortgage
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Old 02-13-2013, 08:05 AM   #97549
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classy kitteh! nice avatar choice
Reminds me of my kitteh when he was little. He's pretty gangster

Idk what I'm gonna do yet. Like I said, I'm just starting the process so we'll see what happens
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Old 02-13-2013, 08:16 AM   #97550
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At this rate I'll never be able to save up for 20% of anything


edit:

Jordan?
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