smoothlonghorn

No, neither Borrower owns other properties, currently living with family. I think the daughter just wants it be her "parents house", but they need her income.

Alright Pros, another question (let's be honest, it's not like we have much better to do and my butter knives are getting dull against my wrists). Daughter & Father are buying home together (TX). They've all decided they only want the parents on title--I know Conventional allows Co-Signers, but Title is going to require her to be removed from Purchase Contract = I think that is still ok from our (lending) side? Also, side note: will it matter how she checks the "Do you intend to occupy this property box"? = I think she intends to live there = can you have an occupying Co-Signer? Thanks all!

C'mon ztejas, I'm also a (non-posting, but big) Chelsea fan....

Probably not wrong... Now $550 for the pair on the off chance anyone is still looking...

(To meet immamac's guideline) My wife has to work late Friday and has indicated a strong desire to not have to get up early, tailgate, and spend 3+ hours at the game. 2 at the end of the aisle (towards the corner/14) on a lower (below 20) row with a great view of the field/cheerleaders/big screen/everyone's favorite endzone seating. $550 for the pair/dm if interested--thank you!

F**k you, jobs report! (Caveat: I'm bleeding heart, so if you've lost your job recently (certainly possible in mortgages) I hope you find something soon)... But again, f**k you, jobs report.... RE: "National average was 5.43% yesterday per my software and MBS guys. I was locking at 4.75% this morning. YMMV." It seems like the past few days have been weird, especially on MND--yesterday indicated a huge rate drop (they were down to 5.09%), but without a corresponding +100 MBS BPS increase at some point. Guess we're about to see that leveling out...

Thanks for the reply/information, Neonmoon! And Ha--the link to Homebridge's 2021 guidelines (https://www.homebridgewholesale.com/wp-content/uploads/2021/05/Visa-Eligibility-for-Non-Citizens-2-21.pdf) was the only confirmation I could find (looks the same to the ones you posted = 2019). The F1 Visa Mortgage Requirements in your post--are those direct from their lending guidelines (or another lender)? Even the FNMA information indicates a "Work Visa" (which it wouldn't be) or an EAD (which 1 Borrower I checked had a C3 = Student Authorization = same ineligibilty) What I can't seem to confirm is if that is unique to Homebridge/a one-off--below is a snip from what we utilize for Conventional eligibility: Sorry for the diversion, folks, feel free to go back to complaining about rates going up 1/2 point in 4 business days (I know I am)....

Last Thursday to today be like (but without the WHEEE! for enjoyment).... Random question for the Brokers/Pros--to your knowledge, Conventional does not accept F1/student-sponsored VISAs, correct? Based on guidelines/my understanding that one seems pretty straightforward, but my interactions have me wondering if people are hearing/have access to something different....

2nd (worse) re-price of the day already....

Looks like I picked the wrong time to quit sniffing glue...and get back into mortgages (or at least at the same time). I haven't had much to add that the professionals don't already cover, but yes, rates suck and if you can lock, should (will give extended-lock perspectives where applicable). ~Signed, your lowly Builder Loan Officer that everyone hates and is trying to get Borrowers not to use

I should know this better, but I guess (good/bad) haven't been in the position to benefit from rising values/sell-buy/get proper ****ed before... To piggyback the earlier responses--so if I'm reading/understanding everything correctly, if you bought in 2021, best case is to knock it back to purchase price (current value is up 50%) and then (hopefully) utilize 10% cap for next year? It looks like they are not showing a HS exemption online, guessing/hoping due to the 1st-year rule (but will definitely be checking!)?

First and foremost, I am an idiot when it comes to any of this kind of stuff... That out of the way, wife* and I purchased a home a few months ago that had what we thought were just some type of nasty weeds in the front entrance area (dirt + mulch + potted plants + these "weeds"). With the recent rain, we thought we would tackle pulling them up....and the "stumps" (for lack of a better term) are clearly for something more sinister than ordinary weeds. Anyone recognize what these could be and/or if we should be worried about damaging anything if we do try to pull them up? I wasn't really raised with yards/plants/etc., so I'm still trying figure these things out as I go... * And yes, this being Shaggy/Surly, feel free to insert your "have your husband take care of it and then post here" comments <here>...

Speaking of showing love for the industry and GGG, Fieri was a big supporter of an odd sort of Celebrity Chef/sort of entertainment figure, Carl Ruiz (started on the old O&A show and then was part of the crew when they split and Opie started doing...whatever that ended up being). Guy always showed up to support Carl's restaurants, give him a little bit of a hard time, and then have him on his own show. Pretty cool interactions if you've never seen. RIP Cuban, RIP...

Well, here’s a take that’s hard to argue with....

As a recent Club member, this is (good) pertinent news. And here I thought I had just been duped into the penny stonk p&d newsletter scheme!...

Condolences and prayers for strength you and your family....

TwiceHorn, really & truly, that is greatly appreciated! I was actually going to tag you because, although definitely not a Shaggy 1%er, I have always been a car fan and really enjoy following the new car fanatic thread (and your posts). Once I saw that you had previously posted in this thread, I figured/was hoping you would see it. All of that (ok, let me be honest/generous and say 50%) makes sense to me--I was mostly worried about attempting/completing the install and it creating more complications down the line (it seems like with the Ecoboosts it can almost be a craps game regarding catastrophic failures). It sounds like maybe switching to Premium fuel (Dear Lord is that going to be a conversation with my price-sensitive wife) and full synthetic might be worth trying to keep things as clean as possible? Good/bad, we won't be driving this a ton, but would like it to last a few years for the regular "around town" trips for which it was acquired. Appreciate all the information!

So, I'm almost scared to post this (out of superstition that the engine just suddenly blows up), but I respect the collective knowledge of the Shag/Surl so much, here goes.... A couple of months ago, the wife* and I purchased a well-used 2012 F150 (170k miles, Platinum Ecoboost 4x4), primarily just to haul our dogs over to the in-laws and for those rare times we need a truck. We (ok, me) have already made a few upgrades--some warranted (tonneau cover), some not (wheels/tires, MBRP exhaust). After doing some research, it looks like instead of doing the exhaust (and S&B intake), I should have started with an oil catch can(s)? Any thoughts from the collective wisdom here--would it be worth it to install an oil catch can/separator now at 170k (I was looking at the Mishimoto dual set-up)? And I am DEFINITELY no mechanic, but if so, it looks like it is just a couple of hoses and the can installation--is it worth trying to do myself (I have already handled a couple of smaller upgrades/items (not the intake or exhaust, though)). In doing another search, it looks like a couple of people on here have experience with them, so thought I would ask. *And just to show that despite the low post count, I've been around a while, no, I can't just have my husband take care of it and report back...

Well, f it, I haven’t posted around these parts in a while = seems like a good place to jump back in.....

I'm with DaysOff--a Rumble sighting = shit's really starting to look up around here!!!...

Currently* working for me: http://www.livetotal.tv/c/football/england-premier-league/14-09-2020/brighton-hove-vs-chelsea/1/ *Note: I keep AdBlock and Avast running at all times (as much as a computer illiterate such as myself can do to prevent computer AIDS) = YMMV re: popups/viruses

Over 12 hours and 10+ replies without one suggestion to have the husband check it? Surly is slipping...

Am I the only one that had to double check which forum this thread was in before clicking on it? But yes, that looks outstanding!

I gave this a thought for a couple of minutes this morning and came up with....abso-f***ing-lutely nothing? In fact, it occurred to me that on my last trip back up to the area, we hustled to get from Ohio to Illinois (granted, we were going to Chicago), but in retrospect, Indiana seemed so inspirational I couldn't wait to drive across cornfields. To be somewhat helpful, a quick Google search indicates "Beef or Chicken and noodles" is a possibility, but appears to be as creative as the name implies (think Hamburger Helper noodle version). It should be pretty basic if you do try something like that anywhere, so (hopefully) the kids will at least give it a go. Hope things keep going well! Edit: Not trying to disparage the great state of Indiana...just can't think of much food wise that is "unique"...