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Everything posted by alivebytime

  1. Good luck when the membership review people call. Member ship to what? Navy league? The woman at navy federal is the one who signed me up. I didn't so anything wrong.. Sent from my iPhone using Tapatalk
  2. I have no affiliation with the service. I joined navy fed last month and refinanced my car! They have me $250 after I paid my first payment. I signed my gf up and we both got $50. Then my 2 other roommates signed up and I got another $100. Not a bad way to get $400 for doing nothing! All you have to do to get accepted by navy fed is donate $50 bucks to their navy league. Also.. Fun fact. My girlfriend who has a few closed credit card accounts with balances and extreme lates (580 credit score) got approved for a $5000 credit card. She hasn't used it and doesn't plan to baring an emergency. Sent from my iPhone using Tapatalk
  3. It will change your average length of account history Sent from my iPhone using Tapatalk
  4. Good advice. Thank you sir Sent from my iPhone using Tapatalk
  5. My initial sales price was 291k I added 30k so my total sales price was 320k but the new condos selling for 314 with no upgrades at all. Sent from my iPhone using Tapatalk 3.5% down Sent from my iPhone using Tapatalk
  6. So when I handed over my deposit check for my new construction town home in March my sales price was $291,xxx. This was higher than the previous month and now it's even higher at $314,000. This to me seems like a great thing.. But does it mean I already will have equity in the property upon moving in? Thanks for the input! Sent from my iPhone using Tapatalk
  7. I'm going to post here to test my knowledge and gut feeling. Hoping one of the pros will chime in. Assuming there is good job history, income and debt ratio I would imagine it would take a least a year of on time credit card payments. Also, I was just approved for an FHA at 620 ( it's raised to 677 mid score since). I wonder if it's different depending in your area. Good luck and I hope you get a better answer than my guess! Sent from my iPhone using Tapatalk
  8. alivebytime

    FHA Loan

    You can put 5% for conventional? Sent from my iPhone using Tapatalk
  9. She owes 37. Her exact model sold for 29k at auction locally. Sent from my iPhone using Tapatalk
  10. It's a 36k Lexus ct200h... She rolled in negative. At the time of signing she had great credit and make 65k Sent from my iPhone using Tapatalk
  11. Just under $800 bucks. Terrible choices made by her. I've done my share if bad financial things too.. But I have the income to cover them. No chance at having some take over the lease. She rolled at least 10k into the loan. Sent from my iPhone using Tapatalk
  12. My realtor is the one raised the concern. The LO wasn't worried. Sent from my iPhone using Tapatalk
  13. My girlfriend has a lease with Lexus. Her payment are outrageous and she now makes way less money than when she took the lease. She has 2 years left. For her to make her payments she cannot afford food and can hardly cover her rent. I help out as much as I can.. But it's ruining her. When her student loans kick it's it's gonna be impossible to pay everything. From the brief research I did I found that if she gives the car back to Lexus they will sell it and come after her for the difference. Is there any other options? Can they work with her on the payments? Or extend the lease to lower the over all car payment ? Thanks Edit: her credit is already smashed so that isn't really a concern at this point. I don't think bk is an option because she doesn't have over 10k in other debt aside from her Student loans Sent from my iPhone using Tapatalk
  14. I am totally fine with paying the deposits. What I'm afraid of is the interest rates rising in June and all of the sudden not being able to qualify for the final sale price of the property. That would be the only thing that would cause me to not get the loan. Aside from losing my job or some terrible thing like that. They said if I wasn't able to qualify for the loan I would lose my 25% deposit ($7,500)! Sent from my iPhone using Tapatalk
  15. I have picked out 30k of upgrades to be built into my loan. The condo will be finished with construction on August 1. I have to pay 7k in deposits for my upgrades My LO told me if something happened and I wasn't able to get the loan ( escrow doesn't close for 4 months and they don't lock me into anything untill may) I lose the deposit money. I chocolate my pants and now I'm questioning everything. Advice? Sent from my iPhone using Tapatalk
  16. Had my first finance meeting with the loan officer. I qualify for 30k in upgrades that I the lender with pair with the final sale price. This is great because I get to make it a custom condo and not have to take out a separate loan for it. Sent from my iPhone using Tapatalk
  17. I put a deposit on a PUD. It's 291k The builder and lender work together so I can put all the upgrades I want directly into my loan! Sent from my iPhone using Tapatalk
  18. Update: Refinanced with NAVYFED. My pay off was $42.8. Navy fed did $41.6 so I had to pay a small amount off the top. I got 72 months @ 5.12% this made my payment $683.00 instead of $990.00! I will make the money up I spent out of pocket back in 3 months plus they are giving $250 to customers who refi with them. Mission accomplished. Sent from my iPhone using Tapatalk
  19. Thank you. It was one of your posts that have me the courage to go on with it. Sent from my iPhone using Tapatalk
  20. Hello! I got pre-qualified for 337k w/ 3.5% down. Med fico was 619 Income 75k and no unsecured debt ( credit cards paid off) I am very excited and still very nervous. Sent from my iPhone using Tapatalk
  21. I spoke with a credit union. My car is valued at $33k I have to make one more car payment and a tad more on top and I can refi at 120% if they me do 72mo my payment will drop to $5xx! Sent from my iPhone using Tapatalk
  22. Thank you for the feedback Sent from my iPhone using Tapatalk
  23. Thanks for the reply. Well my car was 36k retail when I purchased a year ago. I was an salamander to get a load with such a horrible ratio.. I signed the papers and it is what it is. I'm not sure what the bank values my car at It's a 2013 vw golf r with 20k on the clock. I probably need 120% Sent from my iPhone using Tapatalk

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