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  • Why so much hate for USDA loans ? (agent, mortgage, mortgage) - Real . . .
    USDA takes way too long, and their funding fee is ridiculous It's the funding fee that causes people to lose money because all it's doing is immediately taking equity from them It might be a $0 down payment loan, but you definitely pay for it when you go to sell and you've lost equity
  • USDA Rural Development Home Loan (limits, bank, guidelines, lender . . .
    That isn't true There are 2 types of USDA loans, Direct and Guaranteed Direct loans have more restrictions but depending where you live, the Guaranteed loan has much higher earning limits I qualified for one of these loans with an income of over $80K
  • USDA loan process. . . Whats next? (loan officer, interest rate, approval . . .
    In this case, one that is in a USDA approved area There are several steps to taking a pre-approval to a conditional and or final approval, but an important one is having a home under contract While you are searching, the USDA office should be working with you to get all the documents needed for underwriting
  • USDA Loan and Septic (escrow, pre-approved, credit score, bank . . .
    Hello, I am trying to purchase a home with a USDA loan I've already been pre-approved for the loan and know my income level + credit score are high enough for this to go through The house I'm buying is sold with the septic "AS IS " I have agreed to pay to fix the septic (offered 10k over asking price to be held in escrow and I will pay additional $15k in cash to repair) The problem is that
  • Can I use a non-occupant co-signer on a USDA rural home loan? (PMI . . .
    As a result of only 4 months of verifiable income, I am assuming I am ineligible for a USDA loan based on my income, which requires 2 years of consistency according to USDA websites Can I use my father as a non-occupant co-signer and qualify for a USDA home loan, or will they use his high income against me and subsequently disqualify me? Thank
  • Need someone familiar w USDA loans (insurance, loan, fixed rate . . .
    From the RD website: Rural Repair and Rehabilitation Loans and Grants Purpose: The Very Low-Income Housing Repair program provides loans and grants to very low-income homeowners to repair, improve, or modernize their dwellings or to remove health and safety hazards Eligibility: To obtain a loan, homeowner-occupants must be unable to obtain affordable credit elsewhere and must have very low
  • I am waiting for usda mortgage approval. How long does this take . . .
    Last tuesday I applied for a mortgage By wednesday I had turned in all required paperwork, including tax returns (2yrs), 30 day pay stubs Problem is
  • America Loses Its Will to Work. . we’ve stopped appreciating the value . . .
    Given the government response to the fire in Lahina, Pacific Palasades, and the Hurricane in North Carolina I'm starting to wonder just how benevolent those governments are I just finished an audiobook about the fires in Lahina As a mainlander, Hawaii is a bit of an afterthought I've never been there, and it is filed away in the "island paradise with volcanoes" folder But take the time to
  • Question Regarding Section 8 USDA Mortgage (tenants, mortgages . . .
    Location: WA I own my own home through a USDA Mortgage (502 Direct) so I receive a subsidy through them on my mortgage payments On top of that, I am also part of the Section 8 Homeowners program so I get a payment from them that gets applied to my mortgage as well This is because I am completely disabled and draw Social Security Disability Anyways, I've got a few questions and tried
  • Why the rich dont pay taxes - Economics -Analyze global and local . . .
    In the early and mid 2010s people knew stuff was cheap, they just only had so much cash to buy or access to loans Memes about people paying higher rent than the cost of a mortgage because they couldn't get a loan were a thing for a reason, and in personal terms when I bought Apple and Deere shares in the 8-12 p e range I felt (correctly) like





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