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A house just isn't a home without one ....

Unlock.com is a "shared equity agreement". These have a place in some circumstances, but don't fit everyone's needs. 10,000 foot overview: Your home appraises for $1.5m Your current loan is $750k They "lend" $250k. No payments are ever due on this $250k You decide to sell in 3 years and your...

"Better rates..." Depends on context. Is this a Conforming Conventional? Most small brokers can beat everyone out there, but do they know new construction? Can they prove this, not just "say they know new home lending"? If your loan is higher than a standard conforming loan and you have...

Both sides of the same coin. As to the "Why.." question, I defer to the many recent arrivals here in Irvine to answer definitely.

It's not to make money, but to clean it. The value play isn't MAX ROI, but once the home is sold the remaining money is now clean to use for other purposes. 20-50 people funnel cash as "vacation expenses" from Country A who has limits on transferring funds off shore to 1-2 people here. Those...

The headline is BS as it's not the "Russians" who have these, but a "Russia adjacent pawn". I read somewhere that the first CT this warlord had was remotely bricked by Tesla. Not so with these two....yet. Nice new paint job IMHO. Really makes the CT look fierce. :D...

Some of the "tells" that this is could be a classic money laundering home. The May 2024 sale had only one listing photo, reused in the June 2024 listing. Zero personalization seen in any photos over each sale - a sign this property may have not been lived in since 2021,if not earlier. No "wear...

If the market rate is 5.50% for 1.0 point cost (lender profit) and you accept a 5.875% rate, the higher rate yield will give the lender a 1.5 - 2.5 point rebate which they use to earn a profit and for paying your fees. If the lender advertised "No fees at closing out of your pocket, but you...

You could take it, close in late October, then refinance again after the broker's new loan window re-opens (usually after 3 payments). If it was my loan, I'd look at a 25 year amortization. The lower rate should keep your payments about the same as where they are today, but take 3-4 years off of...

In case you were wondering why rates didn't drop following the Fed's rate decision today........ This happens often after a Fed Funds Rate Cut, but eventually mortgage rates will come down some. Not always a full 1/2 point, but some reductions will come...

"In war, truth is the first casualty" Sub "war" for "politics" and the saying still holds water. Weird.

Did Springfield Ohio get ANY substantial help before this pet eating tale got loose? No... but because it's an election and the optics are bad, now the aid comes flooding in. Again, it's not the results, but the cause of the issue that's the problem in need of a real solution. Come to think of...

Be real here. If 78,000 non US Citizens flooded Irvine within a 24 month window, every political party member across the spectrum (besides Democratic Socialists - the very hard left) would be up in arms. The problem isn't the reaction - as bad as it might be - but the cause. Yes, it is true...

An electric vehicle I can get behind: https://www.electrogenic.co.uk/kits/conversion-kits/delorean-dmc-12-conversion-kit/

Q: What's weirder than repeating a National Socialist trope? A: Giving aid and comfort to Hamas supporters - actual living, breathing Nazis - whose sole purpose is killing Jews, and the eradication of the Jewish state. Those on that side of the aisle refuse to put an end to the Iranian funded...

What, no salt or pepper? That's going to be one tough to choke down meal.

Two and one half swimming pools full of water AND a bonus Phos-Check air drop needed to suppress 1 Tesla Semi fire. Ooof. https://www.cbsnews.com/sacramento/news/tesla-semi-truck-fire-ntsb-report-50k-gallons-of-water/

Temu Grade Mao and Corn Pops are putting tariffs ( as they call them , "The Trump Sales Tax" ) on....... Temu Because when we do it, it's soooper joyful. When they do it, it's weird and harmful. Sweet Jupiter these people can't stop beclowning themselves...

Wait a second here @sleepy5136 DEI Barbie said in the debates there are no war zones we're involved in anywhere. That's the gospel truth according to the MSN. SOURCE???? ;) Of the plans (not ideas) Kween Kamala has, the $50k small business tax credit has to the the stoopidist. (Besides...

Stoopid money does stoopider things https://jalopnik.com/cybertruck-owner-spends-4-200-on-stainless-steel-look-1851647031