Calling all mortgage officers. What steps should I take to get approved for a FHA loan? (See below)

I have a 10K charge off , $2k charge off (in dispute status), and 2 late payments from 2019. My utilization also 76%, but my DTI is very low. I have a 636 middle score and I have not been able to be approved automated or manually. I have received refer with caution, but the former lender I used can’t see what’s causing it in the system.

Hey fishes, can someone tell me how the 80c bracket works, i know i can get exempt upto 1.5lakh under it, what i wanna know is does PF comes under it or not? For example if my yearly pf deduction is 20k and VPF is 10k so now will i still be able to show investment of 1.5lakh under 80c apart from PF and VPF or i'll be able to get exemption on only 1.2 lakh( 1.5lakh-30k= 1.2lakh)?

Thank you in advance!!

What are your thoughts on Baidu as an investment?

Investing US 50k per year on a joint income of 170k. This on top of mortgage payments for a 400k penthouse. How does this look?

I max out my 401k and I have a decent emergency fund. I want to keep saving. From what I’ve been reading my next steps are an IRA and then a brokerage account. Questions:
1. How do I pick between a Roth vs a traditional IRA?
2. Once I hit the max of $6k - only then do I focus on brokerage account?

How do you all plan for retirement while in the Middle East (especially for European folks)? Did you sign up for your home country retirement plan while abroad ? (My home country offers it but at a very high cost)

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

Alright, who’s going to short GameStop? +80% in intraday trading, +600% as of 2021. Per WSJ - the bull rally is fueled by individual investors encouraging each other to buy the stock.

If I made $1000 in dividends this year, would I have to pay any tax on it if my total yearly income was less than $20000?

I’m finally hitting a stride (now in my mid-30s) and have some cash to play around with/invest. Any suggestions or recommendations on good, long-term strategies (and/or things I should absolutely be doing) for people not familiar with having a tiny cushion of wealth? Also open to “you should hire a financial advisor, etc..”

Had the CSP for 18 months. Do I upgrade to the Reserve now (no signing bonus) or wait until my 24 months are up and cancel old/apply for the Reserve to get the signing?

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

What are your thoughts on Tesla stock ? Do you think it will reverse next year ? The company is in very good shape , it is getting smashed because of the twitter drama alongside high interest rate but i think it is very cheap stock today when i think about future prospects

Quick poll time. How old are you and how much debt do you have? Credit cards, student loans, vehicle loans, mortgage loans, etc., etc.?

I'm 31
$8k in debt (All credit card. No mortgage currently, but looking to buy. Car and student loans are paid off.)

Buying a house for ~900K in one of the Boston suburbs - my household income is ~230K. Am I stretching too far?

If JetBlue moves my departure time by 3 hours can I get a credit card refund or only travel bank?

Guys, I had very less HRA for April 2022 till August 2022. I was showing 1 lac annual rent .I joined new organisation in sept and now HRA is 43000 per month. Would that be okay to show high rent as 30000 per month to my wife as landlord. Earlier I was paying 9000 rs per month to different landlord. @ IBM

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

What do you do if you just started at an agency, like a week ago, and then get an offer from your dream agency

How how many days you expect to get a Laptop delvry from the day of order from the portal in Oracle?

I just joined 2months back ic3, am I eligible for hike this year, is there minimum number of days to be served for appraisal?

What are the best security consulting firms with a focus on the federal sector?

Rank the following in terms of best WLB/interesting work, and give a brief description of why you ranked the way you did

Booz Allen
Deloitte GPS
EY GPS
Guidehouse

Has anyone made the move from a modern vehicle to buying something older and less practical due to their decreased commute or need for a vehicle due to covid? If so, what’d you get and are you happy with the decision?

Do anyone know if JPMC does their social (organic and paid) in house?

Hi Fishes,
Has anyone joined NAB from ANSR recently.
I received an offer from them for the Gurgaon office but I am not sure if I must join. If anyone joined please share your experience there till now, the work environment and the team you are working with. This will be a great help for me to decide. Thanks in advance.

Has anyone here found success as a marketing consultant? I’m interested in one day becoming one and I’m curious what the timeline and type of experiences I should expect to go through before getting there.

Looking to leave my current role but scared of financial outlook, graduated August 2022 and have 2 YOE of formal experience in tech under my belt with startups and large companies. Currently making $70k base- is that realistic anywhere else other than startups/tech for a marketing or sales position?

Wanting to pivot into medical device or med sales.

Hi all,i have been taking interviews for my department since the last 3 months.Should the company be paying me for the extra efforts?

My fiancé and I invested in a small startup about five years ago and are about to get a $300,000 pay out (after taxes). What would you do with an extra $300k? (We have no debt, have sufficient savings and own a home already so the basics are covered.)

Currently I pay $1900 for a brand new & modern 1BHK in the Greater NYC area. Moving to SF later this year. Any recommendations on how much to budget for SF? Will be working in Downtown area & currently got a car. I am little bit divided on whether to sell the car or move it to SF.

Looking for a good neighbourhood and ok with 30 minute commute to work.

I just got a FAANG offer with 290k TC (8 YOE), so I am trying to rent out my place as I need to relocate, but I am not able to find someone to cover my full rent and I am depressed because I am so not investment savvy and I can NEVER EVER accept losing money in ANY SITUATION. Am I being insane?

Is RPA a bubble and will soon fade away? How much valuable is it as a skill set?

Currently certified in AWS (CCP, SAA, and Security) and GCP (Security Engineer and Cloud Architect).

Any recommendations on Azure certs to pursue?

I work heavily in AWS and am looking to learn another cloud platform. I have zero knowledge of azure and gcp and would like input on which to learn. Azure would make sense since its the second largest in terms of market share, but GCP seems far more interesting and technically challenging with things like Kubernetes and BigQuery.

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

I am looking to buy my first property soon - preferably new constructions (anything except condos) anywhere in Ontario/Canada. Any suggestions where I can turn to find new construction projects? I understand I need an agent. Until I find a good one, I am looking at the houses myself. Any suggestions where I can get information about new projects happening in the province?

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

Bought a 300k end unit townhouse in Atlanta, 14 months ago with 10% down (3.65% interest rate). Prices in subdivision have been increasing over that period. This month 2 non-end units listed for 330k and sold right away. The opposite end unit on my 5 unit building was listed for 340k and is currently pending. What is the best way to stop paying PMI since since I should be at 20% equity?

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

Any one knows what’s the easiest way to order a radon test for new construction?

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

Hi, has anyone worked at Freddie mac? Particularly the multifamily investments division?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

Closing on a condo soon. Need to get 1 accent wall painted and one laundry bifold door installed. What’s an average cost to expect for this. I got quotes for 2000$, seems steep. Any recommendations for contractors in chicago area?

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?