GaimanitePkat

GaimanitePkat OP t1_itutifw wrote

Reply to comment by BubbleWrapGuy in Mortgage Lender Recommendations - FHA by GaimanitePkat

>I believe that with FHA loans you get MIP which is like PMI except that it never falls off the loan. You have to refinance to get it removed. Please fact check that as it's been a minute since I've gone over all of this information.

yeah this sounds about right. Like I said, the guy really flashed through everything so fast.

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GaimanitePkat OP t1_itupbgr wrote

Reply to comment by breafofdawild in Mortgage Lender Recommendations - FHA by GaimanitePkat

Got a bankruptcy that'll be 2 years cleared in mid-December. Can't do anything until it's 2 years cleared, and (at least according to the guy I didn't like) we can't get anything else until it's five (?) years cleared.

He did advise refinancing a few years down the road to get into a conventional loan and not FHA.

We also cannot afford 20% down with no first time homebuyer grant. We barely eek over the line into "makes too much" and entire household income is counted.

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GaimanitePkat t1_iszakxd wrote

Reply to comment by smarshall561 in North Side Post Office and "Clerk 14" by CptJaxxParrow

I was just there trying to get a refund for $71 worth of international shipping that was returned to me four and a half months later.

There was a woman there complaining about how a mail carrier had been swerving all over her street and drove through her lawn. Apparently there is no way of telling which employee that could have been (there are 3 options) and there's pretty much nothing they will do about it.

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GaimanitePkat t1_irsf7fb wrote

Reply to comment by Daisend in Positive childhood experiences of blue spaces and adult well-being. Individuals who recalled more childhood blue space experiences tended to place greater intrinsic value on natural settings, visiting them as adults – which increases better mental wellbeing by Wagamaga

I mean, if they mean that ANY space with water is beneficial, I understand the need for shorthand. Ocean, pond, lake, river, stream, bay.

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GaimanitePkat t1_irrnkbk wrote

Reply to Is Ridiculousness the ONLY thing on MTV now? by emusabe

They used to show True Life reruns in the late morning..... about seven years ago.

Apart from that, yeah, it was pretty much all Ridiculousness with a little Catfish sprinkled in.

I liked True Life. I wish I could watch it on streaming.

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