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Posted: 1/20/2017 8:12:05 PM EDT
[#1]
Quote HistoryQuoted:
I want didn't want to say it but this |
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Posted: 1/20/2017 8:13:02 PM EDT
[#2]
FHA blows. Shouldn't exist.
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Posted: 1/20/2017 8:13:32 PM EDT
[#3]
You mean trump cancelled the idea of me financing .25% of someone else's house?! God Bless Trump!
Why don't you cut your commission .25% if you want to help people buy houses so badly??? How good of a finance person can you be if you confuse a subsidy with savings?! |
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Posted: 1/20/2017 8:14:43 PM EDT
[#4]
I'm shocked the OP hasn't returned. SHOCKED I tell you.
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Posted: 1/20/2017 8:15:04 PM EDT
[#5]
Quoted:
This is how this guy claims to be for the common man?? Obama cut the FHA premium by .25% and we have been promoting that for our clients. (I'm in the mortgage business.) I am really pissed because this was a no brainer to help first time home buyers and lower income folks with buying or refinancing their homes. Now we are having to go back to our borrowers and tell them no good, you have to pay the higher premium thanks to your new president. So all you Trump apologists spin this.  I didn't need it or apply for it. I worked and saved for my first home. Did my father or grandfather need ir? No. Just another government hand out that enables poor decisions and teaches bad habits. What's wrong? You losing commissions now? Bet you made a ton on all those government loans that went belly when people who had no clue or reason to buy a home. Maybe you should get a real job and create something and not feed on the weak an uneducated |
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Posted: 1/20/2017 8:15:11 PM EDT
[#6]
Quote HistoryQuoted:
Seems strange that both the dissenters in this thread are both 2009 accounts with low post counts. It also seems strange that one of them has been negative in every president thread today. I have noticed that too.  Attached File |
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Posted: 1/20/2017 8:16:23 PM EDT
[#7]
Quote HistoryQuoted:
What the fuck, I have an FHA loan. I didn't get subsidized for shit, and I didn't want to. I fucking paid extra for fucking PMI so if I default, someone pays my loan and still takes my fucking house. My credit is great but I didn't have 20% down. At the time I had two seasonal jobs, jobs I went back to every season, it's the fucking mountains and that's how it works for many people. That fucked what the gov considered income. I'm 9 years into it and haven't missed a payment, if you think that makes me FSA you take it in the ass with the wookie's dick while licking ofaggot's pussy. The gov should not be involved.
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Posted: 1/20/2017 8:17:11 PM EDT
[#8]
What a bunch of self richous heartless pices of shit posting here about someone getting a hand on buying their first house every one here gets some kind of subsidy like your tax write offs every one uses every tool in the box to save money by way of real estate the only reason your house is going up in value is because there are buyers you dicks dont remember 20% mortgages from the 80's I guess it's the generation we live in I worked for everything I have no one helped me. work for your own SHIT and don't expect my help in any way well guess what Sherlock you would have nothing if everyone who helped you along the way would have minded their own business and not given you a shot. if every one was like you that's more players you would have to compete with for your job and the things you have if 100% of people were as productiv as the top 10% most of us would be out of a job because the only ones working would be family , friends or who could suck Dick the best so get off you high horse show a little class and empathy and stop putting other people down who are just trying to get a pice of the American dream ok I'm done
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Posted: 1/20/2017 8:18:34 PM EDT
[#9]
Have they changed the PMI rules where you now pay them for the life of the loan?
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Posted: 1/20/2017 8:18:53 PM EDT
[#10]
Quote HistoryQuoted:
Quote HistoryQuoted:
Quoted:
What the fuck, I have an FHA loan. I didn't get subsidized for shit, and I didn't want to. I fucking paid extra for fucking PMI so if I default, someone pays my loan and still takes my fucking house. My credit is great but I didn't have 20% down. At the time I had two seasonal jobs, jobs I went back to every season, it's the fucking mountains and that's how it works for many people. That fucked what the gov considered income. I'm 9 years into it and haven't missed a payment, if you think that makes me FSA you take it in the ass with the wookie's dick while licking ofaggot's pussy. The gov should not be involved. |
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Posted: 1/20/2017 8:19:20 PM EDT
[#11]
Quote HistoryQuoted:
Stop selling loans to people who cant afford them. Remember what you fuckers did to our housing market last time. Especially florida. |
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Posted: 1/20/2017 8:19:34 PM EDT
[#12]
Uh....tell them to go be poor somewhere else???
At any rate, it's a govt loan, so you have to play by their rules. |
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Posted: 1/20/2017 8:20:01 PM EDT
[#13]
Quote HistoryQuoted:
What a bunch of self richous heartless pices of shit posting here about someone getting a hand on buying their first house every one here gets some kind of subsidy like your tax write offs every one uses every tool in the box to save money by way of real estate the only reason your house is going up in value is because there are buyers you dicks dont remember 20% mortgages from the 80's I guess it's the generation we live in I worked for everything I have no one helped me. work for your own SHIT and don't expect my help in any way well guess what Sherlock you would have nothing if everyone who helped you along the way would have minded their own business and not given you a shot. if every one was like you that's more players you would have to compete with for your job and the things you have if 100% of people were as productiv as the top 10% most of us would be out of a job because the only ones working would be family , friends or who could suck Dick the best so get off you high horse show a little class and empathy and stop putting other people down who are just trying to get a pice of the American dream ok I'm done |
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Posted: 1/20/2017 8:21:54 PM EDT
[#14]
Quote HistoryQuoted:
Stop selling loans to people who cant afford them. Remember what you fuckers did to our housing market last time. Especially florida. |
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Posted: 1/20/2017 8:24:53 PM EDT
[#15]
Quote HistoryQuoted:
I didn't want it, it was forced on me and I had to pay for it. Where are there subsidies. (my question mark key doesn't work). I'm not agreeing with the OP at all. |
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Posted: 1/20/2017 8:25:47 PM EDT
[#16]
Julian Castro announced this rate cut 1 week ago. It wouldn't have went into effect until 1/27/17. This was yet another one of Obama's screw Trump moves as he was headed out the door.
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Posted: 1/20/2017 8:28:36 PM EDT
[#17]
Quote HistoryQuoted:
What a bunch of self richous heartless pices of shit posting here about someone getting a hand on buying their first house every one here gets some kind of subsidy like your tax write offs every one uses every tool in the box to save money by way of real estate the only reason your house is going up in value is because there are buyers you dicks dont remember 20% mortgages from the 80's I guess it's the generation we live in I worked for everything I have no one helped me. work for your own SHIT and don't expect my help in any way well guess what Sherlock you would have nothing if everyone who helped you along the way would have minded their own business and not given you a shot. if every one was like you that's more players you would have to compete with for your job and the things you have if 100% of people were as productiv as the top 10% most of us would be out of a job because the only ones working would be family , friends or who could suck Dick the best so get off you high horse show a little class and empathy and stop putting other people down who are just trying to get a pice of the American dream ok I'm done Go be poor somewhere else and keep your paws out of my wallet. |
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Posted: 1/20/2017 8:32:46 PM EDT
[#18]
Quote HistoryQuoted:
What a bunch of self richous heartless pices of shit posting here about someone getting a hand on buying their first house every one here gets some kind of subsidy like your tax write offs every one uses every tool in the box to save money by way of real estate the only reason your house is going up in value is because there are buyers you dicks dont remember 20% mortgages from the 80's I guess it's the generation we live in I worked for everything I have no one helped me. work for your own SHIT and don't expect my help in any way well guess what Sherlock you would have nothing if everyone who helped you along the way would have minded their own business and not given you a shot. if every one was like you that's more players you would have to compete with for your job and the things you have if 100% of people were as productiv as the top 10% most of us would be out of a job because the only ones working would be family , friends or who could suck Dick the best so get off you high horse show a little class and empathy and stop putting other people down who are just trying to get a pice of the American dream ok I'm done Putting down 3.5% on a house and paying PMI is not how you save money. You're acting like a child, Trump didn't say no, he said slow the fuck down, there's a difference, stop with the tantrums. |
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Posted: 1/20/2017 8:32:51 PM EDT
[#19]
My wife and I worked our asses off, saved and sacrificed to buy our home. Tell your FSA clients to get off Facebook and a get a job.
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Posted: 1/20/2017 8:34:14 PM EDT
[#20]
Quote HistoryQuoted:
What a bunch of self richous heartless pices of shit posting here about someone getting a hand on buying their first house every one here gets some kind of subsidy like your tax write offs every one uses every tool in the box to save money by way of real estate the only reason your house is going up in value is because there are buyers you dicks dont remember 20% mortgages from the 80's I guess it's the generation we live in I worked for everything I have no one helped me. work for your own SHIT and don't expect my help in any way well guess what Sherlock you would have nothing if everyone who helped you along the way would have minded their own business and not given you a shot. if every one was like you that's more players you would have to compete with for your job and the things you have if 100% of people were as productiv as the top 10% most of us would be out of a job because the only ones working would be family , friends or who could suck Dick the best so get off you high horse show a little class and empathy and stop putting other people down who are just trying to get a pice of the American dream ok I'm done . , . . . . . , . , ? , . e , . , e . , . There's your subsidy. Use it wisely. |
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Posted: 1/20/2017 8:34:30 PM EDT
[#21]
You're pissed not because some border line qualifed person won't be able to afford a mortgage but because o you'll lose money. On the bright side I'll save money as a taxpayer by not subsidizing someone's house payment.
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Posted: 1/20/2017 8:35:45 PM EDT
[#22]
Quote HistoryQuoted:
Pretend that a good many of us have no idea what you're talking about.. Like me, for instance. and me. Well played sir. 
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Posted: 1/20/2017 8:38:28 PM EDT
[#23]
If that premium is the determining factor in someone buying a home, they the should not be buying a home. Save their money.
You're right... it's easier to sell people loans at lower rates but that's about it. |
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Posted: 1/20/2017 8:38:55 PM EDT
[#24]
Quote HistoryQuoted:
I don't know what op is on about, but from the responses thus far he seems bad and wrong and part of the housing market problem  +1 He wants to drink champagne and fuck high-priced call girls again instead of settling for bottom shelf vodka and street hookers. |
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Posted: 1/20/2017 8:40:07 PM EDT
[#25]
Trolls coming out of the woodwork!
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Posted: 1/20/2017 8:41:11 PM EDT
[#26]
Quote HistoryQuoted:
You're pissed not because some border line qualifed person won't be able to afford a mortgage but because o you'll lose money. On the bright side I'll save money as a taxpayer by not subsidizing someone's house payment. Good god, this. And it's $29/month on a $200K mortgage. Skip Starbucks a couple times a month and move on. Why do the taxpayers have to pay for your free shit? |
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Posted: 1/20/2017 8:41:51 PM EDT
[#27]
Quoted:
This is how this guy claims to be for the common man?? Obama cut the FHA premium by .25% and we have been promoting that for our clients. (I'm in the mortgage business.) I am really pissed because this was a no brainer to help first time home buyers and lower income folks with buying or refinancing their homes. Now we are having to go back to our borrowers and tell them no good, you have to pay the higher premium thanks to your new president. So all you Trump apologists spin this. Gotta take out the trash somehow, and Obama left a lot of trash behind. Sorry if your personal ox got gored. |
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Posted: 1/20/2017 8:42:49 PM EDT
[#28]
Quote HistoryQuoted:
What a bunch of self richous heartless pices of shit posting here about someone getting a hand on buying their first house every one here gets some kind of subsidy like your tax write offs every one uses every tool in the box to save money by way of real estate the only reason your house is going up in value is because there are buyers you dicks dont remember 20% mortgages from the 80's I guess it's the generation we live in I worked for everything I have no one helped me. work for your own SHIT and don't expect my help in any way well guess what Sherlock you would have nothing if everyone who helped you along the way would have minded their own business and not given you a shot. if every one was like you that's more players you would have to compete with for your job and the things you have if 100% of people were as productiv as the top 10% most of us would be out of a job because the only ones working would be family , friends or who could suck Dick the best so get off you high horse show a little class and empathy and stop putting other people down who are just trying to get a pice of the American dream ok I'm done Keep saving. |
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Posted: 1/20/2017 8:45:54 PM EDT
[#29]
Quote HistoryQuoted:
Hey, MAGA folks are just getting a taste how a Bilionaire is "for the common folk" hahahaha More to come!!! I'm impressed op 2009 is a long time for a DUer |
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Posted: 1/20/2017 8:46:47 PM EDT
[#30]
Quote HistoryQuoted:
Where did the OP go? Most likely to get a hot coco and a puppy 
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Posted: 1/20/2017 8:48:07 PM EDT
[#31]
Quote HistoryQuoted:
Stop selling loans to people who cant afford them. Remember what you fuckers did to our housing market last time. Especially florida. As a victim of 2006 I agree |
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Posted: 1/20/2017 8:51:36 PM EDT
[#32]
I sold 4 houses this month so far to FHA buyers. They seem to have plenty of money to buy a $400-500k house.
They are making me nice and rich :) Money which I'm using to start/grow my side business, so I can get out of the shittiness that is real estate investing. I hate it. ETA - Quoted:
Quoted:
What a bunch of self richous heartless pices of shit posting here about someone getting a hand on buying their first house every one here gets some kind of subsidy like your tax write offs every one uses every tool in the box to save money by way of real estate the only reason your house is going up in value is because there are buyers you dicks dont remember 20% mortgages from the 80's I guess it's the generation we live in I worked for everything I have no one helped me. work for your own SHIT and don't expect my help in any way well guess what Sherlock you would have nothing if everyone who helped you along the way would have minded their own business and not given you a shot. if every one was like you that's more players you would have to compete with for your job and the things you have if 100% of people were as productiv as the top 10% most of us would be out of a job because the only ones working would be family , friends or who could suck Dick the best so get off you high horse show a little class and empathy and stop putting other people down who are just trying to get a pice of the American dream ok I'm done . , . . . . . , . , ? , . e , . , e . , . There's your subsidy. Use it wisely. HAHAHAHA. Awesome post. |
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Posted: 1/20/2017 8:52:25 PM EDT
[#33]
Quote HistoryQuoted:
Most likely to get a hot coco and a puppy Quote HistoryQuoted:
Quoted:
Where did the OP go? Most likely to get a hot coco and a puppy
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Posted: 1/20/2017 8:52:36 PM EDT
[#34]
If you can't afford a house don't buy one.
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Posted: 1/20/2017 8:54:17 PM EDT
[#35]
Quote HistoryQuoted:
Stop selling loans to people who cant afford them. Remember what you fuckers did to our housing market last time. Especially florida. THIS. |
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Posted: 1/20/2017 8:55:35 PM EDT
[#36]
Quote HistoryQuoted:
That will do a great things for say.....those good paying construction jobs that have nothing to build now..... You're one of my favorite socialists on this site. We need idiots like you to make sure we don't live in an echo chamber and to validate our understanding of the world. So you're not completely worthless, no matter what everyone else says. |
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Posted: 1/20/2017 8:55:43 PM EDT
[#37]
The FHA just got 10% higher!
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Posted: 1/20/2017 8:56:18 PM EDT
[#38]
Quoted:
This is how this guy claims to be for the common man?? Obama cut the FHA premium by .25% and we have been promoting that for our clients. (I'm in the mortgage business.) I am really pissed because this was a no brainer to help first time home buyers and lower income folks with buying or refinancing their homes. Now we are having to go back to our borrowers and tell them no good, you have to pay the higher premium thanks to your new president. So all you Trump apologists spin this. Why exactly do you think I should be forced to help you pay for your fucking house? What the fuck is wrong with your brain? |
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Posted: 1/20/2017 8:56:37 PM EDT
[#39]
Quote HistoryQuoted:
I have noticed that too. https://www.AR15.Com/media/mediaFiles/253585/b414a16f993fbeb33f46dd38ac47db6b-130095.JPG Quote HistoryQuoted:
Quoted:
Seems strange that both the dissenters in this thread are both 2009 accounts with low post counts. It also seems strange that one of them has been negative in every president thread today. I have noticed that too. https://www.AR15.Com/media/mediaFiles/253585/b414a16f993fbeb33f46dd38ac47db6b-130095.JPG This is a likely a coordinated attack by op. The President rightly froze all new regulatory actions that the previous administration tried to get rolling in its last days. |
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Posted: 1/20/2017 8:56:39 PM EDT
[#40]
. . . SYSTEM MESSAGE . . .
OP is a retard. |
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Posted: 1/20/2017 8:57:12 PM EDT
[#41]
Quote HistoryQuoted:
What a bunch of self richous heartless pices of shit posting here about someone getting a hand on buying their first house every one here gets some kind of subsidy like your tax write offs every one uses every tool in the box to save money by way of real estate the only reason your house is going up in value is because there are buyers you dicks dont remember 20% mortgages from the 80's I guess it's the generation we live in I worked for everything I have no one helped me. work for your own SHIT and don't expect my help in any way well guess what Sherlock you would have nothing if everyone who helped you along the way would have minded their own business and not given you a shot. if every one was like you that's more players you would have to compete with for your job and the things you have if 100% of people were as productiv as the top 10% most of us would be out of a job because the only ones working would be family , friends or who could suck Dick the best so get off you high horse show a little class and empathy and stop putting other people down who are just trying to get a pice of the American dream ok I'm done And keeping more of the money you earn instead of sending it away in taxes is not a subsidy. That's liberal logic. |
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Posted: 1/20/2017 8:58:04 PM EDT
[#42]
Degenerate
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Posted: 1/20/2017 8:58:21 PM EDT
[#43]
The level of derp in this thread is fantastic.
First - FHA loans are here, whether you like them or not they are a reality. I agree the .Gov should not be in the loan business, so... Lowering the INSURANCE fee will no more cause additional foreclosures than lowering your car insurance would cause you to intentionally wreck your car. Everyone that thinks the .Gov should not be in the loan business is OK with getting rid of VA loans and USDA loans? The average VA client I see is worse financially and credit wise than the average FHA client - suck on that. I rarely have a VA client that is not on VA Disability - hmmmmm FHA loan limits are calculated by county - there are very few counties that have a $600k limit, maybe around the Maryland area and places in NY and Cali. Around here the average is $275,000 If the MI rates go up then the person will simply buy less house, perhaps their limit may drop $5,000 I am currently doing a loan for a client for about $113k and she would have saved about $25/month - she will still get her loan I agree that the minimum down payment of 3.5% for FHA loans is too low, but I don't make the rules USDA recently lowered their guarantee fees but I did not hear anyone crying about that The FHA fees were high enough that the bailout funds were repaid plus another $7 billion (per money.cnn.com) The cash reserves were met therefore the rate reduction, just like regular insurance companies FHA loans are among the most scrutinized types of loans ie: full documentation (no stated lending) Why isn't everyone bitching about the subsidized refinancing rates the Gov guaranteed after the crash?? perhaps many here benefited Does everyone think that the 3% required for certain conventional loans is also too low? I agree the lending threshold should be higher, but once again, I do not make the rules nor always agree with them. Full disclosure, I am a loan officer |
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Posted: 1/20/2017 8:59:21 PM EDT
[#44]
Quote HistoryQuoted:
Julian Castro announced this rate cut 1 week ago. It wouldn't have went into effect until 1/27/17. This was yet another one of Obama's screw Trump moves as he was headed out the door. Intredasting. |
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Posted: 1/20/2017 9:00:40 PM EDT
[#45]
Quote HistoryQuoted:
What a bunch of self richous heartless pices of shit posting here about someone getting a hand on buying their first house every one here gets some kind of subsidy like your tax write offs every one uses every tool in the box to save money by way of real estate the only reason your house is going up in value is because there are buyers you dicks dont remember 20% mortgages from the 80's I guess it's the generation we live in I worked for everything I have no one helped me. work for your own SHIT and don't expect my help in any way well guess what Sherlock you would have nothing if everyone who helped you along the way would have minded their own business and not given you a shot. if every one was like you that's more players you would have to compete with for your job and the things you have if 100% of people were as productiv as the top 10% most of us would be out of a job because the only ones working would be family , friends or who could suck Dick the best so get off you high horse show a little class and empathy and stop putting other people down who are just trying to get a pice of the American dream ok I'm done Bless your grammatically challenged heart. |
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Posted: 1/20/2017 9:01:12 PM EDT
[#46]
Quote HistoryQuoted:
Pissed off realtors who don't get easy commissions selling homes to people that couldn't afford them to begin with. 
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Posted: 1/20/2017 9:05:12 PM EDT
[#47]
Quote HistoryQuoted:
Stop selling loans to people who cant afford them. Remember what you fuckers did to our housing market last time. Especially florida. THIS |
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Posted: 1/20/2017 9:07:30 PM EDT
[#48]
Quote HistoryQuoted:
All of the above. Don't sell houses to people that can't pay for them. 20% down at a minimum. |
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Posted: 1/20/2017 9:07:50 PM EDT
[#49]
Quote HistoryQuoted:
Hey, MAGA folks are just getting a taste how a Bilionaire is "for the common folk" hahahaha More to come!!! |
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Posted: 1/20/2017 9:10:24 PM EDT
[#50]
Quote HistoryQuoted:
The level of derp in this thread is fantastic. First - FHA loans are here, whether you like them or not they are a reality. I agree the .Gov should not be in the loan business, so... Lowering the INSURANCE fee will no more cause additional foreclosures than lowering your car insurance would cause you to intentionally wreck your car. Everyone that thinks the .Gov should not be in the loan business is OK with getting rid of VA loans and USDA loans? The average VA client I see is worse financially and credit wise than the average FHA client - suck on that. I rarely have a VA client that is not on VA Disability - hmmmmm FHA loan limits are calculated by county - there are very few counties that have a $600k limit, maybe around the Maryland area and places in NY and Cali. Around here the average is $275,000 If the MI rates go up then the person will simply buy less house, perhaps their limit may drop $5,000 I am currently doing a loan for a client for about $113k and she would have saved about $25/month - she will still get her loan I agree that the minimum down payment of 3.5% for FHA loans is too low, but I don't make the rules USDA recently lowered their guarantee fees but I did not hear anyone crying about that The FHA fees were high enough that the bailout funds were repaid plus another $7 billion (per money.cnn.com) The cash reserves were met therefore the rate reduction, just like regular insurance companies FHA loans are among the most scrutinized types of loans ie: full documentation (no stated lending) Why isn't everyone bitching about the subsidized refinancing rates the Gov guaranteed after the crash?? perhaps many here benefited Does everyone think that the 3% required for certain conventional loans is also too low? I agree the lending threshold should be higher, but once again, I do not make the rules nor always agree with them. Full disclosure, I am a loan officer |
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