Random Thoughts - Part III The Search for Spark (No Politics)

[Spuds]

Originally Posted by NoHaveMSG

I love grapefruit but it kills me every time I eat it.

I also love grapefruit. But I always forget how much I like it when it's available.

[Sapphireho]

Database Error.

[Spuds]

Been working great for me today.

[Sapphireho]

Originally Posted by Spuds

Been working great for me today.

Been working like shiDATABASE ERROR

[spike021]

thanks @humfrz for always recommending to get pre-qualified for a mortgage loan.

I contacted just TWO banks last weekend, one is the one I've been with for years and years.

Both keep spamming email/call/text-ing the hell out of me.

Anyway, I spoke with one (my current bank) and he told me even for a pre-qualification I'd have to do the FULL application, including hard credit pull, just to get even rough numbers. And that pre-qual only lasts 45 days, so I'd have to basically already be looking at the market with intent to buy in < 2 months (NOPE!), and if that window expires I have to go through the process again.

My dad gave me the info for the guy my parents have used forever to handle their mortgages for the current and previous homes, so I need to call and see if maybe he can get me a pre-qualification that doesn't push me to impulse buy a home :eyeroll:.

[humfrz]

Originally Posted by spike021

thanks @humfrz for always recommending to get pre-qualified for a mortgage loan.

I contacted just TWO banks last weekend, one is the one I've been with for years and years.

Both keep spamming email/call/text-ing the hell out of me.

Anyway, I spoke with one (my current bank) and he told me even for a pre-qualification I'd have to do the FULL application, including hard credit pull, just to get even rough numbers. And that pre-qual only lasts 45 days, so I'd have to basically already be looking at the market with intent to buy in < 2 months (NOPE!), and if that window expires I have to go through the process again.

My dad gave me the info for the guy my parents have used forever to handle their mortgages for the current and previous homes, so I need to call and see if maybe he can get me a pre-qualification that doesn't push me to impulse buy a home :eyeroll:.

Sounds like you are on the right track.

A pre-qualification letter will just give you an idea of what you would be pre-approved for, however, it doesn't necessarily convince a seller what you could be pre-approved for. A pre-approval will usually insure you and the seller that you will most likely be approved for a loan in that amount.

A pre-qualification will give you a good idea of what price range property you should be looking in.

I suggest you go ahead and apply for at least a pre-qualification letter even though you would have to take the time to fill out an application.

A "hard inquiry" will usually affect your credit score by a few points, but you will not usually be able to get credit without it.

I wish you well.

[Captain Snooze]

Words.

[blsfrs]

My car is not an automatic, said Tom manually.

[Captain Snooze]

"I'm going to watch some porn," Tom said jerkily.

[Ultramaroon]

"I'm growing mushrooms!" Tom said sporadically.

[gen3v8]

*I`m getting database errors* Tom said redundantly.

[Spuds]

"Why do I only get one line while Tom has so many?" Asked Les soulfully.

Edit, Alternative: capably.

I'm bad with words...

[Kaotic Lazagna]

lmaoooooo. Farting sounds when the bass hits.

[Captain Snooze]

Originally Posted by Kaotic Lazagna

lmaoooooo. Farting sounds when the bass hits.

Said Kaotic shittingly.