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UTPhil2006

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Everything posted by UTPhil2006

  1. Yeah can definitely say a lot of younger buyers are "just get me in the house and we'll figure it out later" thought process currently.
  2. Might just be for their comfort level and to make sure they don't miss anything in this digital age (DocuSign etc). My MawMaw is still sharp at 90 but she won't do anything without my mother so she doesn't miss anything. Also might have helped to put Elderly financial issue in title.
  3. Gotcha. Can't say I've come across one of those. The 10+ years of MI would infuriate me as a buyer. Like 2 years would seem appropriate or something. But then you're splitting hairs on FHA guidelines. Hopefully all the FHA deals we've done get converted to a mid 4 conventional over the next 12-24 months anyway.
  4. CapMetro makes 850 mile trips?
  5. Maybe .5% as that scenario doesn't make a whole lot of sense.
  6. It's gotta be some insurance or some deal like that to make them have to do these lame simple challenges
  7. Wait why is @McNelly jealous?
  8. Conventional it drops off at 78. Usually just a phone call and a desk review on those. In 2013 FHA switched to MI for the life of the loan so the only way out is refi to conventional or pay it off.
  9. They gave him his meds?
  10. The problem right now is that most First Time Homebuyers are increasingly going FHA. It isn't the worst thing in the world, but MI for the life of the loan (until I can refinance them into conventional, hopefully) isn't great but between rates, credit (sometimes) and down payment they're almost a necessity.
  11. Another random no talent required elimination
  12. Starting to drag on a little too long
  13. UTPhil2006

    Mexican

    How in the world did it last that long in that location
  14. At this rate @Dbeasy's bond investor buddy may be correct by next Friday
  15. April 1 Texas St at Texas April 22 Texas at Texas St
  16. Dodgers in 4 now
  17. Paging @Etexhorn13 to the white courtesy phone to update the folks on where you ended up.
  18. Ah yes the consequences of meeting a stranger in the Alps
  19. Moreso something every episode every season. I'm ready for a completely new cast
  20. Is anything ever Daisy's fault?
  21. Guessing it was the saying of 911. Otherwise wouldn't they come every time the Brats are having maritals. Was the whole premise behind the show Alaska Daily. Only lasted a season with Hilary Swank.
  22. You'll get several different opinions and ensuing arguments but basically the concept that we're headed towards a "soft landing" with where we are with jobs, inflation, earnings reports, etc and moreso that when the Fed announces Nov 7 it's going to be a 25 bps cut if not less
  23. Came off of that at least. And the DJI doesn't like it either so maybe we can get a reprieve on this upward trend
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