I'm about to close on my first property..ask a breh anything

[↓R↑LYB]

Very minute. Dates I was employed at former employer. My lender took down the wrong dates tried to blame me, but I'm very meticulous when it comes to dates and time frames. They almost didn't approve my loan because they had the year wrong. I was pissed off. Had to fax statements over again, shyt was frustrating. They go through everything with a fine tooth comb thanks to the mortgage fukk ups that lead to the recession.

Breh, I went through something similar. Stupid bytch kept calling me talking bout my loan might not go through for the silliest fukking reasons. Got my blood pressure all high and shyt

 

[MikelArteta]

165k can get you a locker here

 

[↓R↑LYB]

Pmi is such an amazing scam I just waited to get my 20% fukk that

How much was the whole 20

 

[↓R↑LYB]

165k can get you a locker here

Just another in a long line of Canadian L's

 

[Silver Surfer]

Breh, I went through something similar. Stupid bytch kept calling me talking bout my loan might not go through for the silliest fukking reasons. Got my blood all high and shyt

yeah they going through all that ish

 

[↓R↑LYB]

yeah they going through all that ish

Naw breh, it was little shyt like I forgot to sign a form when the house first went under contract or they needed me to send in my financial information again because they misplaced it the first time I sent it. Just a lot of dumb shyt.

On the flip side though I think I might have been a victim of lending discrimination with my first lender. I sent all my info, then out the blue he told me I was denied the loan because of my credit and income. Granted at the time I was making 200k a year and my house was listed at 240. I have 0 debt other than my student loan and my credit was fine.

My realtor found a black owned lending company in Atlanta and they approved me with no fukking problems. During the process of getting the loan, my interest rate was reduced multiple times.

 

[Silver Surfer]

Naw breh, it was little shyt like I forgot to sign a form when the house first went under contract or they needed me to send in my financial information again because they misplaced it the first time I sent it. Just a lot of dumb shyt.

On the flip side though I think I might have been a victim of lending discrimination with my first lender. I sent all my info, then out the blue he told me I was denied the loan because of my credit and income. Granted at the time I was making 200k a year and my house was listed at 240. I have 0 debt other than my student loan and my credit was fine.

My realtor found a black owned lending company in Atlanta and they approved me with no fukking problems. During the process of getting the loan, my interest rate was reduced multiple times.

Thats wassup....

 

[BaldingSoHard]

3.6 rate
prolly ~4-5 years

depends on my circumstances tbh

3.6%

fukking winning. That's basically free money. Did you pay points?

*looks at rates*

Holy shyt I got 4.25% back in August of last year and I thought *that* was a win. Time to refi!!!

 

[BaldingSoHard]

Pmi is such an amazing scam I just waited to get my 20% fukk that

It really is.

But it's cheap.

And it's tax deductible so .

Plus with the rate that properties are appreciating right now... it's a short term thing.

 

[BlackBall]

How much was the whole 20

$56k

 

[↓R↑LYB]

$56k

shoulda paid the 3.5 breh

 

[↓R↑LYB]

3.6%

fukking winning. That's basically free money. Did you pay points?

*looks at rates*

Holy shyt I got 4.25% back in August of last year and I thought *that* was a win. Time to refi!!!

Yeah I'm sitting on 4 right now. My ex told me she gotta crib some time last year and she paying like 7%. I was like

 

[Silver Surfer]

$56k

 

[Silver Surfer]

i got a while before I drop 56k on a DP for a crib....

 

[OfTheCross]

When you drop 20% you can easily make moves with the equity, tho...

Still owing 220k hurts my feelings tho, breh.

I wish you the best of luck paying that off