Reply With Quote
Do you have good credit? The higher your credit rating the lower your interest rate will be on the home.
They don't want to loan money to a deadbeat.
Its important you pay your bills and on time..................
I view appraisals from all over California. It's ridiculously pricey all over.
Do you have good credit? The higher your credit rating the lower your interest rate will be on the home.
They don't want to loan money to a deadbeat.
Its important you pay your bills and on time..................
lol 55k
thats telling him
It was a predictable response from him. I knew it was coming as soon as I saw what GoodOdor posted his income was. I'm surprised I had to scroll down as far as I did before reading it.
lol...
Seriously?
He's obsessed with peoples incomes/employment and what type of degree they got. Insecure, tbh.
don't mind him....he's still at San Antonio High School getting a high school dimploma in engineering. The poor guy is still reading articles online about how engineers make 100k a year straight out of college. Once he graduates and goes unemployed for awhile, realizing nobody in their right mind will hire him for anything over 32k from that -stain of a college, reality will finally hit him
but seriously, if I was any halfway decent engineering firm (even if I was toward the bottom) and I saw UTS
nobody gets 100k straight out of college, you must be at leasts HD honors or someehit to that sort of , actually u dont need to go apply for jobs, they be knocking on your door offering a job...
Agree, even DMC worked at random ty jobs back in the day. A college degree doesn't guarantee but your efforts will finally pay off one day or another imho.
How's the telemarketing business, tbh?
Credit is good, 757 last time I checked, but I just opened a new credit card so that might have cost me 5 or so points.
So, I been browsing listings within an hour drive from the city.....you weren't kidding
Even ghetto places like Oakland are pricey as ......still, I'm not looking to be picky about my first home so just gotta accept the fact it's most likely gonna be a hole.
Can you have mouse, Chumpmvp and Kori over for tails once you land your pad?
You sound like you wanna close this house deal soon?
I know a credit guy that will shoot you into the 800s much easier then you'd expect.
55k in the Bay area?
My advice: Oakland
Or, move where you get more bang for your buck, e.g. Texas.
Seriously true.
A salary like that in San Antonio could go a long way.
The problem would be moving that salary to affordable relatively nice places.
lol scarred
For someone that tries really hard to not respond to me you sure do love to comment about FkLA.
Well good thing you ain't , huh?
Just for reference, I have a 771 credit with 0 debt and got a 4.22% 30 yr conventional with 5% down just recently.
Also, the Dodd Frank something bull changed the guidelines this year on qualifying for a home loan. They increased debt to income ratio and other things to make it a little harder to get a loan.
Last edited by pawe; 02-19-2014 at 04:05 PM.
$55k in the bay area?
Good luck...
Car lease? Ouch...
But what do the commuting costs become?
Damn, looks like we missed the boat on the all time low rates
Since you put 5% down, how much is your PMI? I'm thinking it's almost worth paying that every month just to have some cash reserve available for any emergencies.
Live below your means and you'll make life easier on yourself.
I have a couple of rules-of-thumb:
1. Your house shouldn't be more than twice your annual income.
2. Your car shouldn't be more than 10% of your annual income.
People will laugh at (2), but cars are not an investment (unless you are fixing up a classic car, etc.)
There are currently 1 users browsing this thread. (0 members and 1 guests)
Posting Permissions
