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  1. so if you have no idea about the program why did you respond? (scratching my head). i typically dont reply to things i dont know about on forums . but if i did reply to all the things i didnt know about, that indeed would take a lot of time
  2. in store last week. this is my 1st purchase ever so no clue what happens in the past. i want to buy something else but it says 250 points needed for 5 dollar certificate. which means you need to spent 10000 bucks to get 5 bucks back. this just seemed a bit much to me
  3. i signed up for the program and bought a 2K tv. i'm not in this for the points but i was a bit surprised to see only 56 points pending. the site says .5 points per dollar. shouldnt that be 1000 points or are my maths off :)
  4. we already went to see an atty every mortgage i ever got added my name to the deed so i'm confident that if they both get approved for the mortgage that they will both be on the deed. i cannot understand how 2 people approved for a mortgage would be not allowed to both be on the deed. i thought it was a requirement of every mortgage that the owners be on the title at settlement. maybe PA is weird that way? regardless this is a mortgage question. and i was hoping to get input on any possibilities of a mortgage or other programs that may fit this situation based on my data above. or if it can be handled as a refi vs 1st mortgage or is there really a difference in this case?
  5. so they can just put in childs name today and that solves the ownership issue? i thought was much more complicated then that. and that the bank would want the money upon death of the mother and the child cannot refi with their income alone so she would be screwed.
  6. oh trust me i asked all the difficult questions about that. taxes on the joint owner at death etc. i was told not to worry about that. the short term goal is assure child and grandchildren have a house. thats it. i dont wanna tell her that she's gonna qualify when theres not a snowballs chance but to me the numbers look good and the credit is good so no issues there. there is life insurance involved though so that will definitely help.
  7. well i used 5500 out of 6K for the BT and ill be saving money all the while making them happy i have a current balance. after 18 mo ill xfer back then hope i get another BT
  8. Helping a friend out: Mom soc sec 18636 Daughter soc sec disability 15744 2 minor kids soc sec 7872 Total 42252 (3521 mo) 120K equity loan currently out on the house. Value at least 200k of house. Home currently in moms name alone. They want to refi into both names so when mom dies the child gets the house. Im old school and go with 28/36 ratios but can you tell me how high they would go? 120K at 3.75 is 555 P/I Taxes are 475 HO is 80 Total 1110 3521 *.28 = 985/month I didn’t factor in credit card debt because I wanted to see if they even meet the threshold for a mortgage on the front end. Any ideas how high they go on back end? also assuming minimal closing costs since its a refi and that all can be rolled in?
  9. its sat unused since feb. they sent me BT offer a month ago and i didnt use it..yet. now i get email if i dont use the card by december they close it. to 'help' me use it the did 4000 to 6000 auto cli is this normal or am i special? now ill save even more money on xferring my 10% balance here.
  10. about 2 years ago i got discover it 1% back and they double it 1st year i just put all my info in the prequalifier and they say i'm qualified for discover it cashback card. also strangely there are 2 offers. one is 18 mo no interest and one if 14 mo no interest. both 3 percent fees my exisiting card has 12 mo 0 percent 3 fee.so of course would benefit me to get 18 mo card but how can you have 2 of the same exact card?
  11. You're pre-qualified for these offers. thats what i got for the hilton honors and gold delta sky miles cards. neither are of interest but i was going thru all the various prequalifiers and got no from chase and citi and was shocked about amex. burned in 2005 so never thought id get in. edit: the creditcard.com prequal site also said delta for me.
  12. burned chase/b of a/ citi etc so id never get them again sadly. and those are the only ones with the really good offers. strangely enough my tiny ducks card 2700 will give me 7% no fee for the life of the loan but that doesnt work out mathematicaly cause i take 3% hit on the gas i buy. it was about 130 savings all considered.
  13. I don’t plan on any new credit in the near future so don’t know if I really care what kind of hit id take but wanted to get input on how bad the hit would be on my score. I currently have a heloc at 10% and ive gotten some BT offers I’m considering. But id be killing util on my 2 CCs. I have a discover 4200 I never use and id xfer 4000 and after fees save 213 for the year. Then id xfer the balance back to the heloc. My 7K capital one id do 4000 there and save 293. Cap 1 has interest saver options I can can keep churning thru for my 2% cash back. So that’s 500 in savings from moving the balances off heloc for the year and of course at any time I can xfer back to heloc if for some reason I need the CC. I normally pay about 500 on the 344 heloc payment plus/minus depending on my mood. Plan was to pay 80 on each of the 2 CCs id transfer the balances to whack it down 960 on each.
  14. is this a normal thing offered when mortgages are settled

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