#first time home owner
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Millennials Unveiled: Smart Home Buying Tips for a New Generation
Millennials entering the housing market face unique challenges and opportunities. From navigating student debt to embracing digital tools, the homebuying journey for this generation requires a tailored approach. In this guide, we’ll explore home buying tips specifically designed for millennials, empowering them to make informed decisions in the real estate landscape.
1. Prioritize Financial…
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If you’re thinking about making a move this year, a turnaround in the housing market could be exactly what you’ve been waiting for. Work with a local real estate professional to learn about the latest trends in your area. To know more about the details, visit our website today: https://mortgage-maestro.com
#first time home buyer loan#first time home buyer incentive#first time homebuyer credit#va construction loan#first time home owner#first time home buyer benefits#first time buyers home program
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Check out Michelle Rondon @RondonRealty. All round great personality, knowledgeable, friendly, and top notch customer service.
#real estate#realtor#realty#home ownership#home owner#first time home buyer#first time home owner#entrepreneur small business#shop small businesses
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Rodent proofing my house.
That's a genuine chicken wire and duct tape job.
Just call me 'Mr. Fix it'
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Went on a trail ride with another girl I haven’t ridden with in a while l and said “hey let’s try this trail!” and then I nearly got us stuck in a fucking swamp
I literally said “haha, come on Bertie (my horse) it’s not like it’s quicksand” and then boom! it kind of WAS though and my pony is fat but she is small, so she got stuck up to her knees a few times but oh my god, poor Buster is a normal sized thick ol halter hog quarter horse boy and he almost went down. he sunk in on the left side up to his stifle. that’s like his hip man that’s like. Almost the butt. that was high-as-a-horse’s-hips mud. That was horse-thigh-gap-height mud. Oh my god.
This obviously scared the horse so then he scrambled out as best he could and he took his mom into a bank full of many sharp little trees and she almost came off and then had to get down and back him back into the mud to get him out and around the trees again
Was my horse as affected? No. Was I hit so hard in the face by tree branches that I bit my lip? No, but her horse reenacted the neverending fucking story for a minute there and she got pistol whipped by branches and I felt so bad 😭 in fairness, she never objected to exploring. not in fairness, it was absolutely my dumbass idea
This is why no one wants to ride with us, even when I try to have a chill walk-only lazy little trail ride I still manage to get us into some kind of chaos, because my riding style can only be described as Quaintly Unhinged™️
As pet tax, here’s my pony and her stupid stray dog she adopted, brave survivors of the sticky icky swamp
#no animals were harmed in the making of this shitshow only one cut on a human and the dog#who has more than nine lives- was fine and I have no idea how he crossed the mud he could’ve flown I was too busy trying to not fall#I’m sorry Julie I’m sorry Buster. thankfully he is a sturdy fucker and both he and Bertie calmed down quickly once we got back on the main#trail and headed home. but the worst part is?#I had fun lmao I do enjoy this kind of insane shit#one time I went riding with my horse’s girlfriend and her owner and homies just turned her mare into the Rio grande and started crossing#and my mare followed because she’s obsessed with hers and I had a proud ‘oh thank god other people are also crazy’ moment#meanwhile ellis#Bertie the pony#this is why it’s really rare to have good riding buddies that 100% enjoy the same stuff as you. first you have to get past all the issues#between disciplines and training styles etc. and be totally willing to mind your own business#and then you have to have similar ideas of what’s fun#my idea of fun is pounding a beer and galloping my little nag up a dirt road pretending I’m in Rohan#this as you can imagine is an acquired taste for most people lmaoooo
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WARNING FOR ANIMAL DEATH/MUTILATION IN THE TAGS
I think I’ve figured out why it’s the stuff with my cats that gets me the most viscerally upset when it comes to my roommate and I think I need to tell him why that is… we had a talk and he apologized for a lot of stuff but I just feel like I need to explain why I react so intensely to him hating my cats/wanting me to get rid of them
#like there’s the obvious things I’ve said before that ANY pet owner would feel the same about obvious#but like. okay I love cats. I’ve loved cats my WHOLE life#not just cats but animals in general#animals were baby’s first special interest#and I grew up on a farm and I had usually at least 8 pets at a time growing up#that I got money for by doing odd jobs and you know as a child you can spend all your money on your hobbies#and I love animals so I had pets#specifically I always had at least 3-4 cars#*cats#my mom’s first husband hated cats… fucking DESPISED them#and he talked about hating them/getting rid of them all the time#and. well. when I ever did anything to really piss him off#(which you know as a nine year old could be something as simple as breathing too loudly or some shit)#he would kill them#that man killed probably like 20 cats#cuz even after I was old enough to process ‘don’t get more cats bad things will happen to them’#my mom would bring home cats cuz she ALSO loved and wanted cats#even when I would beg her not to because I knew they were going to die#she never cared because in that moment she wanted cats#and obviously this was awful and damaging#and now that I live on my own with my two cats who are my BABIES that I love and cherish#my roommate talking about hating them and wanting them gone….#yeah it’s uh. um. hitting some really specific nerves#obviously I do not think he would EVER EVER do something like that#because you know. he’s not an insane control freak who hates me and animals#it’s still hitting those nerves#and yeah I think I need to tell him that for us to start coming to an understanding#like i get you don’t LOVE my cats you don’t have to#but you can’t talk that way about them… or I’m going to get VERY upset and defensive#kaz rambles
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found out that rascal's owner took him again while i was out, and he's probably not gonna be back since the semester's almost over. i don't even know if his owner's coming back next semester, if i'll ever see him again. if he'll ever see me again. why do they wait until im not around to do this? why do they never let me say goodbye to him?
#i didnt really get to process it bc i found out when i was hanging w a friend but. im processing it now#sigh.. i dont know. i dont know.#at the end of the day he is and has always been someone else's cat. i can't control what she does with him#no matter what i think of it. she can always take him away. but every time it happens im just. im tired yknow?#it's worth it to me to have him around. i love him dearly and i want him to be in a home where he's actually cared for (which i have done my#best to provide) but he's just. not mine. and every time it happens i back up and think man. im such a sucker.#i don't think people manipulate me often. not in an ongoing way i mean. i don't think ppl see me as valuable enough to most of the time.#but damn. she really found my weak spots didn't she. free petcare courtesy of one chump who can't live without animals around. sigh#he deserves stability but he deserves love more. this weird shared custody thing is better for him i think. and frankly i also love him.#im not the priority here but my feelings are like. there. him being taken away without even telling me first hurts. i'd like to be able to#say goodbye to him. im not saying he has to stay or this has to go on but couldn't they just.. consider my feelings a bit more?#just bc you're fine with dropping your cat off somewhere for weeks not knowing when you'll see him again and not visiting doesn't mean i am#and i kind of feel like my roommate is part of this. after all it's not like his owner can just break into our room and take him#and if im always out when they do it there's a chance roomie's just shipping him off whenever she gets sick of him.#she's done it before. even after she agreed so vehemently with me about never wanting him to go back to such treatment and stuff early on.#she's been spraying him for little reason lately too. and i mean i get being a little more cautious with some things bc her neck's broken#but she's really fixated on how much he smells and bites and stuff and talks about how if i wasn't around she'd consider eating him#and then other times she's like that's my pookie. i don't get it. like yeah i tell rascal to fuck off sometimes bc he hurts me but it's not#like a hateful thing. i dont resent him for it i'm just annoyed sometimes bc he's maiming me a little. he's my baby. how could i loathe him?#so it makes me think that roomie might be blaming his transfers on his owner bc she doesn't want me to judge her#and like. this is her room too. it's not her fault she's more bothered by the smell than me. if she doesn't want to be bitten and clawed all#the time i can sympathize. i don't wanna force her to house him. but i wish she'd just be honest with me i guess#like. what if his owner decides to give him away without telling me? i'd take him in in a heartbeat. even though i know it's a bad idea.#but i'm worried he'll fall out of my reach completely. and at the very least I'd like to be able to say goodbye first. that's all.
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"i had to surrender my cat bc he's got incontinence issues and i'm just not equipped to deal with that"
i'm stealing your fucking kneecaps
#of all the fucking reasons-#1. that's really not a huge issue to have if you keep your cat home#2. would you give away a child over incontinence issues?? over any health issue showing up?? or was cat just that disposable to you??#like im glad i guess you took him to a shelter and didnt just abandon him somewhere#and apparently the staff might make him their office cat bc they love him#but god#'please be nice' my kindness is me not saying anything to you#im bitching on tumblr instead of the fb group we're both in total stranger#there are times - though not often - where i feel sympathy for the owner. where there really IS a good reason for surrender#but 9 times out of 10 its some real bullshit and i have no patience for that#i love animals to a super sensitive degree AND i lost my best friend (my first cat) unexpectedly in 2021 so yeah im a fuckin dick about this#at least its never to someone's face#its 10:26 AM#i've been in and out of sleep for the last 24+ hours and im tired and cranky and a little nauseous tbh#i was hoping to be a little productive today but i think i might go back to bed#maison speaks
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Chocola and Vanillas house!! Ln’eta is just hangin. I think it’s comin along nice! Though I’m trying to figure out how to make some furniture since it’s so expensive to buy furniture that would fit them
#doll house#big doll house#like it’s BIG#rainbow#I’m trying to find more little colorful things to decorate the house with#by the time I’m done I want it to look as chaotic as my own room#rainbow core#I’m not well versed in the cores#but I assume that’s pretty correct#cat people#my babies#they are home owners#because they are grown ass women#chocola#vanilla#ln’eta#sucker for love#sucker for love first date
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i can't get clear pictures of victoria w her eyes open bc she has two modes KILLING AND VIOLENCE and snooooork mimimimi
#she's a sweet cat she's just a homicidal maniac#rn she is huddled next to me on the bed facing the doorway to be ready for all possible threats#but when she conks out she gives zero fucks abt anything#she'll snuggle up on me or next to me and it's lights out#apparently she only recently became adoptable according to the woman i got her from#like she just decided one day that she liked people after all#i miss lily every single day but i'm also happy we happened to be in the right place + time to take victoria#she was so sick and scared and hid in the corner of my closet when we brought her home#but the first night she came up on the bed and laid a careful distance away from me...#and once she had her bad teeth removed and the ear mites exterminated she was like a brand new kitty cat#there was no adoption fee bc it wasn't an official adoption but i think her previous owner knew she needed care that she couldn't afford#i felt really guilty abt the vet bills for a cat i picked out but my dad adores her and tells me all the time he's happy we took her home#i just wish i could get better pics bc she's so cute!!! lily would pose for me all the time but victoria wants to eat my phone fkjhgfdjh
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This morning my brother filled up Rosie (his puppy)’s bowl, but I guess Rosie really had to pee because he wound up taking her outside before she ate it.
Meanwhile, I decided to go ahead and feed Maisie as well. I go and fill her bowl, put it on her mat, and go into the bathroom to take care of my own business.
Within the less-than-two minutes I was in there, Maisie had scarfed down all of her own food, slipped out the cat-flap on the gate, and already started going to town on Rosie’s! I had to pull her back and lock the flap.
Maisie you’re cute and I love you and all, but you’re a filthy little scavenger and you must be stopped 😩
#maisie#i watched a cat documentary yesterday and there was this segment about how researchers did an experiment with cats#where the cats were presented four choices: favorite food; favorite toy; favorite smell; and their owner#and apparently over 50% of the time cats chose their owner first#which is sweet and all#and I'm a big fan of the fact that cat science is catching up to the idea that yes as a matter of fact cats do like their owners#but man. m a n. i have no doubt in my mind that as for maisie specifically she would've gone for the food first#she'd probably pick me over the toy or the smell#but food? yeah good luck standing in her way#doesn't even have to be her favorite. or even cat food at all. people food? dog food? she's there#stinker#y'know i remember hearing somewhere once that cats who were malnourished as kittens sometimes become food-obsessed as adults#and i can't help but wonder if this is the case for maisie#i don't know much about her kittenhood...I know she was with her foster family for about 2-3 weeks prior to me adopting her but that's it#and she was pretty thin when we brought her home#there's no way to know for sure but it would explain a lot...#regardless...sorry maisie but i'm not gonna let you overeat 😤#the vet said you're already a healthy weight and gosh darn it we're gonna keep it that way#that's my job as a responsible pet owner and I'm sticking to it so u gotta deal with it greedy kitty
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Hmm torn between Michigan and Wisconsin.
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HARP 2 Refinance For Homeowners With Underwater Mortgages
In order to assist homeowners with underwater mortgages in refinancing their houses, the Federal Housing Finance Agency (FHFA) launched the Home Affordable Refinance Program (HARP) in 2009. HARP 2, an enhanced version of the 2012-introduced program, gives borrowers who are having trouble making their mortgage payments greater flexibility. We'll look more closely at the HARP 2 refinance in this blog post and how it can help homeowners with underwater mortgages.
What is an Underwater Mortgage
Let's start by defining an underwater mortgage. A homeowner who owes more on their mortgage than the value of their home at the time is said to be in an underwater mortgage position. A decrease in property prices, a change in the homeowner's financial condition, or other circumstances may be to blame for this.
It can be challenging to refinance a property when a homeowner has an underwater mortgage since conventional lenders could be reluctant to offer a refinancing loan. Herein is the value of HARP 2. With more lax conditions, the program enables qualified homeowners to refinance their underwater mortgage.
Benefits of HARP 2 Refinance
One of HARP 2's key advantages is that it enables homeowners to refinance their mortgage at a loan-to-value (LTV) ratio that is generally higher than what traditional lenders would permit. Homeowners may be able to refinance with an LTV ratio of up to 125% in some circumstances. This implies that homeowners may still be able to refinance and lower their monthly payments even if their home is worth less than what they owe on their mortgage.
Another advantage of HARP 2 is that it enables homeowners to refinance even with bad credit or a history of financial troubles. The program can assist homeowners who have had trouble getting approved for other forms of refinance loans because it has more lenient credit requirements than typical lenders.
Requirements to Qualify for HARP2 Refinance
Homeowners must fulfill specific eligibility conditions in order to be eligible for HARP 2. These consist of the following:
The mortgage must have originated on or before May 31, 2009, and it must be owned by or insured by either Fannie Mae or Freddie Mac.
The homeowner's mortgage payments must be up to date, with no more than one late payment in the previous 12 months and no late payments in the previous six months.
An LTV ratio of at least 80% is required.
The homeowner must demonstrate their ability to pay the increased mortgage payment.
Not all homeowners with underwater mortgages will be eligible for HARP 2; it is crucial to keep this in mind. But for those who do meet the requirements, the program can offer important advantages and support them in maintaining their homes.
To Sum Up
In conclusion, the HARP 2 program can offer assistance to homeowners who have underwater mortgages. It enables qualified homeowners to refinance their mortgages with less stringent conditions, such as a greater loan-to-value ratio and lenient credit standards. Homeowners must fulfill a number of qualifying criteria, such as having a mortgage owned by or insured by Fannie Mae or Freddie Mac, being current on their mortgage payments, and having an LTV ratio larger than 80%, in order to be eligible for HARP 2. HARP 2 can be a useful tool for homeowners who meet the requirements to lower their monthly mortgage payments while maintaining their houses.
#mortgages#gca mortgages#real estate#property#loans#fha loan#va loans#harp 2 program#bad credit score#homw owners#refinance#payments#united states#usa#first time home buyer#homebuyers#Underwater Mortgages#gustancho associates#gca mortgage#non qm loans#jumbo loans#conventional loans
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uhoh! girl!
#it's her! my sweet cat#but man. i'm thinking abt why i cry over her so much and why i get emotional over how much i love her#first of all she's cute and extremely lovable#but like. you get a pet knowing that you will outlive them and they will die before you#that's a pretty unique relationship#and add this to the fact that she's not very smart and doesn't understand the intricacies of life#but loves you anyway? seeks you out for cuddles? gets happy when you come back home?#and she's really soft#my last living childhood dog just died and i'm upset#and so consequently i'm thinking abt pet death a lot so i'm more upset abt my sweet girl dying than usual (which is still a lot)#i just think the emotional nature of this pet-to-owner connection is really interesting. we love and care for these little guys so so much#i think people are motivated to give their pets as good a life as they can because they know how short it is#and they want to spend as much time as they can just enjoying their presence#maybe#anyway. i cry every single time i listen to a song from the saga of virtute by the weakerthans
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this week me n Books got dressed up and went to a slightly famous fun new restaurant,* the next day we stayed in for a cozy movie night,** and the next we met their mom for dinner.*** it’s almost like we’re building a life together or something****
#also got absolutely railed on my birthday godbless#actually we had sex every night i was at their place this week which is. a lot bc we be fuckin for hours#it's great but whew that's a lot of time! ya girl has been sleepy as hell#* canje atx- it was fun and i would recommend it but i probably wouldn't go again#each thing we ate was good (except i hated Books' drink and they did not like the (v mustardy) callaloo) but most dishes weren't balanced#and they didn't present them in a way that made a lot of sense (i've been to one of the owners' other restaurants and it was similar there)#it was also unbelievably loud in the restaurant which would have been very unpleasant but it was fine being there with Books#like it was a bummer bc they had just finished the first ep of black sails and i'd just finished the first book in their favorite series#so we were both psyched for a good conversation over dinner but! not possible!#but we still had fun bc they're the only person on earth i could just look at and not talk to for an hour and a half#ANYWAY the appetizers did absolutely fuck we had a little tropical fruit salad and saltfish fritter and they were bomb#and i looked Cute in my little black dress with my new leg tattoo#** we had never done a movie night in before?? we've gone to the theater and we've watched tv at home but#hadn't done a full on lights out cozy blankets quietly stare at the screen for two hours before. it was great#*** my first time meeting a Mom and it was weird and scary and awk bc they aren't out to her so i had to use the wrong pronouns for them#but i survived. and they aren't super close for complicated reasons so it won't be a regular thing but. it was okay.#**** i spent christmas AND my birthday with them and#ok they're in school right this is currently their first semester of college#and they mentioned to their mom that they might be transferring/moving before they finish#that was my first time hearing that so i brought it up later like hey what did you mean by that where are you planning on going?#and they were basically like. if you pick a state i'll pick a school there#like it is time for me to start applying for jobs and i had been planning on bringing up this slight possibility with them but#i decided to wait until next week or later bc i didn't want them to feel obligated to say what i want to hear bc of my birthday#but they brought it up. because as usual we are very much on the same page#i don't even particularly WANT to move out of state right now but#to know that i wouldn't have to make the hard decision between them and my career? gosh#they're so good#i'm so glad i kept an open mind when my friend offered to set me up with someone the exact opposite of what i was looking for lmao#remember after that weekend i had those two first dates and i was like idk ab this Bookstore one... l m a o i was a fool!#now i am still a fool just in a different way
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Infinite list of favourite lyrics: 221/?
Half Man Half Biscuit - Stuck up a Hornbeam (2014)
"I'm so desolate, I'm so all alone.
I feel arthritic in every single bone.
I've got a mynah bird -
It does nothing but moan.
For you, I'd lose
My self-esteem;
For you, I'd lose
My self-esteem;
For Crewe, I'd use
Junction 16."
#favourite lyrics#half man half biscuit#stuck up a hornbeam#nigel blackwell#urge for offal#2014#post punk#I'm admittedly late to the party with HMHB‚ despite being dimly aware of them for the last decade or two I'd never actually heard#any of their work until fairly recently‚ on a trip to a second hand record store where the owner was playing their (wonderfully titled)#2018 album No One Cares About Your Creative Hub So Get Your Fuckin' Hedge Cut. after chatting to him and laughing at the lyrics#i went home and looked them up and listened to a couple of albums all at once (as an aside‚ just going to record stores is honestly#a great way to discover music you haven't heard before‚ I've found several favourites this way)#Urge for Offal seems to be recommended by several critics as a good introduction to the band‚ with its guitar heavy pop punk#tight 3 minute songs and more up to date pop culture references (all of HMHB's back catalogue is bulging with wry references‚ jokes#and nods to bits of british culture‚ film‚ tv‚ history‚ music etc etc but as the band has been going since the mid 80s some of these lines#have drifted into obscurity for newer listeners. sure‚ i appreciate the Chigley drug parody but I'm weird‚ and idk how well known the#worlds of Trumptonshire are in 2023). regardless of accessibility‚ the band (and it's surprisingly difficult to find out who exactly is#writing their songs but some googling suggests lead singer and guitarist Blackwell is the key lyricist)#have a genius gift for witty juxtaposition of universal themes of love‚ loss and depression with hyper specific cultural illustration and#genuinely very funny jokes. the first time i heard this the 'for Crewe I'd use junction 16' line made me laugh out loud
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