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SVTPerformance's Chain of Restaurants
Road Side Pub
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<blockquote data-quote="Grabber" data-source="post: 15418179" data-attributes="member: 70485"><p>So, with regard to PMI, it is about 100 bucks a month until the balance of the 20% down payment is paid off.</p><p></p><p>Your credit won't go up immediately after you pay your car off, in fact, it may drop a few points. Our loaner did not look at our current debt as a way to disapprove our loan. They looked at available funds, payment/credit history, etc. We were approved for up to $250,000 based on near 800 FICO scores, two car payments over $1,000 total and an annual income of about 100K a year between my wife and I. Just an example on how that could work.</p><p></p><p>Right now, APR''s are fluctuation. We got locked in to a 3.25 % APR for our mortgage. Some people have made claims they are getting percentages in the 2's, which is total BS if you ask me.</p><p></p><p>The only thing they say is during the entire process of when your credit is run, NOT to make ANY large purchase over a few hundred bucks as they track those and will ask questions. Those things WILL effect your approval process, I.E. buying a car, new TV, etc.</p></blockquote><p></p>
[QUOTE="Grabber, post: 15418179, member: 70485"] So, with regard to PMI, it is about 100 bucks a month until the balance of the 20% down payment is paid off. Your credit won't go up immediately after you pay your car off, in fact, it may drop a few points. Our loaner did not look at our current debt as a way to disapprove our loan. They looked at available funds, payment/credit history, etc. We were approved for up to $250,000 based on near 800 FICO scores, two car payments over $1,000 total and an annual income of about 100K a year between my wife and I. Just an example on how that could work. Right now, APR''s are fluctuation. We got locked in to a 3.25 % APR for our mortgage. Some people have made claims they are getting percentages in the 2's, which is total BS if you ask me. The only thing they say is during the entire process of when your credit is run, NOT to make ANY large purchase over a few hundred bucks as they track those and will ask questions. Those things WILL effect your approval process, I.E. buying a car, new TV, etc. [/QUOTE]
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SVTPerformance's Chain of Restaurants
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