It's a racket, that's why.

2008 was a gully: https://www.youtube.com/watch?v=PgGLgygsqus

Was Biden the one who killed his favorite railroad conductor?

> VA and FHA loans don’t have strict credit rating requirements,

The loans don't but you can't get the loan from a bank with bad credit.

Realestate keeps up with basically inflation. Calling 2008 a blip? What? It had houses that sold for 270k in 07 listed for 90k in 2010. That's not a blip, thats a correction.

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Lol what services would a professor be soliciting for

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> You cannot

Thank you, that's what I thought.

You cannot

Do we actually need 11 FHLBs? Advances are down and honestly SF and Chicago could handle the entire system

Do you have any tips for large gaps in resumes? I work with a lot of people who experienced something we call „failure to launch“ (basically means that they didn’t get a job out of school or were stuck in college for extended periods of time without getting a degree).

Now with therapy and other programs these people get their schooling done, but much later than the general population (late twenties -early 30s). What would your advice for such people be?

But it's not about how many mortgages you end up getting, it's about not reading. Yes the other reply was out of the norm, most people will have maybe 3 mortgages in the ir life, but that doesn't mean you don't do the research on it and read the document.

It's a good idea, but a big ask. Many families aren't that tight, and it's not the kids fault.

When I signed my mortgage, I sat there for an hour at closing in front of the real estate agent and the seller. I didn't have a copy of the documents I was about to sign ahead of time. It was 50 to a hundred pages (at least a half inch thick). It's more dense than most college level reading. So it's not surprising that most people don't read it and don't understand them.

What questions are commonly asked during an interview and for what purposes are they asked? I know some questions are for clarification but are there other reasons?

What are some of your fav and least fav lease terms.

Why would you say that🥲

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>When you're buying your first house, you don't even know what questions to ask. Nobody is really there to help you through it, they're just there to get another day of their jobs done just like the rest of us.

I took one of my parents with me at every stage of house buying. They've done it 4 times at that point. After 35 years of home maintenance they know that to look out for. My mother asked questions I wasn't even considering. But they were good questions.

I went to the mortgage advisor alone. But discussed the results with my parents.

I think most people will have parents, uncles/aunts or good colleagues that would be willing to go through the above with you.

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My perception is that HR screening software prevents most resumes from ever reaching a real human being unless we stuff it with keywords from the job description. But if we do that, the resulting bloated mess of a resume and cover letter that get past the machine will not be ideal for a human reader, who will want something clean and short.

Any advice on the right balance between the two, that will still get my resume to a real person, without it being word soup?

F*ck market forces when people are dying in the streets, at a certain point the governments job is to step in and not let people die, but if people like you cared about people and not money we wouldn't be in this situation.

You don't even know what questions to ask is an excuse. Try reading the documents and ask everything you do not understand. Call up your loan officer and ask questions on their documents. If your loan officer minds find a better one. Mine didn't know the answer to one question. So he said he'd ask someone more involved with that part and I had an answer in a day. In the title office you can sit and read every page and ask questions. Would they grump, sure. Did I give a shit? Nope. Idgaf that it was the hottest market in the country and they had many deals. They didn't send me the documents early so both my husband and I sat there reading and asking. When the person had to step away, we asked for post it's and put the questions there.

It's never going to be someone else's jobs to make sure you know wtf is happening. Even in a doctor's office, the onus is on you to ask questions.

Usually. Although we likely let slip in about 4 million in just the last 2 years, slo g with over a million or so legally. This grows the population and thus housing demand.