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  1. Mortgages

    Discussion of mortgages, buying and selling a home, real estate investing

  2. Automotive Financing

    Discussion of Automotive Financing

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    Student loan resources and discussion

  4. Business Credit

    Information on establishing business credit and creating a business credit score.

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    • I don't know of any Non-QM lenders who do business directly with consumers.  Due to the high risk that interacting with a consumer carries, they usually like to shield themselves by requiring loans to be submitted by mortgage brokers, so the loan officer takes some of the risk + takes care of communicating with the borrower.   With a 600 credit score Non-QM lenders typically require at least 20% down and max the DTI out at 50%, so it seems like you should be able to find a mortgage broker who'd be able to help.
    • 12-15 years ago I drove from San Diego to San Francisco and back over a long weekend.  That was the last time I did a road trip > 300 miles each way in a personal vehicle.   While I enjoyed the experience once, I'm never driving to SF again.  300+ miles trips are why we have airplanes.   I drive an average of 25 miles a week, so I don't see the range on this Porsche being a limited factor for me.  Plus it's a gorgeous car.
    • Thank you.  I'm not sweating it very much.  I've got a ton of inquiries right now and may hurt on some things, but right now I'm concentrating on obtaining a mortgage and was just pre-approved from my lender for a VA.  So that it first.  Then down the road when the score gets a little better I would like to get a AMEX Delta card since we fly Delta quite a bit.   Thanks again,   Joe
    • from the article:     less than 350 miles is NOT what I consider something capable of "consistently cover[ing] long distances" or that "epitomizes freedom."   Until a manufacturer comes out with something that is capable of actually doing long distance driving, then electric vehicles are simply not a viable option for those who actually depend on their vehicles...   It would be different if an electric vehicle could be charged and ready to go in the same two minutes or so that  it takes to fill a gas tank and go another 400-500 miles, but they are not even close. 
    • Congrats on your progress.     Don't sweat the old inquiries.  If you need credit to refinance something to save money, get a great rewards card, pick up an extended 0% offer, etc., by all means, use your good credit to your advantage.  

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