hondapa26
| Favorite team: | LSU  |
| Location: | Gonzales, LA |
| Biography: | I'm a POT!!! Ask therocketscientist |
| Interests: | Golf, Football, B-ball, Baseball |
| Occupation: | Student at LSU Health Sciences Center-NO |
| Number of Posts: | 3146 |
| Registered on: | 9/28/2005 |
| Online Status: | Not Online |
Recent Posts
Message
re: Mass Shooting in Lewiston Maine! (At least 18 dead) SUSPECT FOUND DEAD!!!!!!!!!!!!!!!!!!!!
Posted by hondapa26 on 10/25/23 at 11:26 pm
How are you following the chopper? Flightradar24?...
1
re: Mass Shooting in Lewiston Maine! (At least 18 dead) SUSPECT FOUND DEAD!!!!!!!!!!!!!!!!!!!!
Posted by hondapa26 on 10/25/23 at 11:18 pm
[quote]Standard equipment on Subies are they not?[/quote]
I think it depends on the trim…...
re: Mass Shooting in Lewiston Maine! (At least 18 dead) SUSPECT FOUND DEAD!!!!!!!!!!!!!!!!!!!!
Posted by hondapa26 on 10/25/23 at 11:16 pm
[quote]YOU made the claim that the guy “heard voices” and “had a bad night” and that’s why he decided to do this. Again, pure speculation at this time with absolutely no evidence to support your claim. [/quote]
If you read a little more than the headlines, you would see that he is an Army reserve...
re: Mass Shooting in Lewiston Maine! (At least 18 dead) SUSPECT FOUND DEAD!!!!!!!!!!!!!!!!!!!!
Posted by hondapa26 on 10/25/23 at 10:43 pm
Did it have a CoExist bumper sticker?...
re: Mass Shooting in Lewiston Maine! (At least 18 dead) SUSPECT FOUND DEAD!!!!!!!!!!!!!!!!!!!!
Posted by hondapa26 on 10/25/23 at 10:36 pm
One thousand! Not 3,000…the 3,000 men from Judah handed Samson over to the Philistines....
re: Grammy winning singer, Tori Kelly, in ICU after collapsing….docs find serious blood clots
Posted by hondapa26 on 7/25/23 at 7:35 pm
Scary thing is, these are just the “important” people we are hearing about. No telling how much this is going on unnoticed/underreported amongst the peons!...
re: Grammy winning singer, Tori Kelly, in ICU after collapsing….docs find serious blood clots
Posted by hondapa26 on 7/25/23 at 7:31 pm
[quote]Until today I've widely dismissed all the health scares we have seen.[/quote]
What about today changed your mind? Lol...
re: Homebuyers are now spending 40% of their gross income on mortgage and interest costs
Posted by hondapa26 on 7/23/23 at 12:00 pm
[quote]Yeah, at 200k gross you should be bringing home around 11-12k each month[/quote]
Not if one is maxing out their 401k as they should be when making 200k gross....
re: Homebuyers are now spending 40% of their gross income on mortgage and interest costs
Posted by hondapa26 on 7/23/23 at 10:44 am
[quote]The highest % we ever paid was 66%. Our mortgage and interest and taxes were $4100 per month or $49,200 per year. Out income was $140,000 per year. [/quote]
How are you getting 66%? I got a different number there...
re: Homebuyers are now spending 40% of their gross income on mortgage and interest costs
Posted by hondapa26 on 7/23/23 at 10:21 am
I just copied the first 3 lines of the OP. I understand he or she was just copying from twitter. They start by saying, “Homebuyer DTI is now approaching 40% in 2023.” The next statement reads, “That means homebuyers are now spending 40% of their gross income on mortgage and interest costs.”
...
re: Homebuyers are now spending 40% of their gross income on mortgage and interest costs
Posted by hondapa26 on 7/23/23 at 10:11 am
[quote]I understand but a few people here wonder how people are getting mortgages with high DTI[/quote]
10-4. I don’t understand how the OP or the person on twitter just equated the two and most just breezed over that part. ...
re: Homebuyers are now spending 40% of their gross income on mortgage and interest costs
Posted by hondapa26 on 7/23/23 at 10:04 am
[quote]Is another Mortgage Crisis brewing? Homebuyer Debt-to-Income Ratios (DTIs) are now approaching 40% in the beginning of 2023. That means homebuyers are now spending 40% of their gross income on mortgage and interest costs. [/quote]
That’s not what that means at all!...
re: Homebuyers are now spending 40% of their gross income on mortgage and interest costs
Posted by hondapa26 on 7/23/23 at 10:02 am
[quote]As someone in the mortgage business someone with good credit get an FHA loan with total DTI at 56%[/quote]
Correct, but the OP says homebuyer DTI of 40% is the same as homebuyers spending 40% of their gross income on a mortgage. It just isn’t. ...
re: Homebuyers are now spending 40% of their gross income on mortgage and interest costs
Posted by hondapa26 on 7/23/23 at 9:59 am
[quote]We had a couple lenders offer close to 40%. No one squirms at 28% in my experience. [/quote]
You had lenders offer close to 40% what?...
re: Homebuyers are now spending 40% of their gross income on mortgage and interest costs
Posted by hondapa26 on 7/23/23 at 12:16 am
[quote]Why don’t they have strict DTI ratio limits and strict 20% down payment limits? Seems like this would make things as secure as needed.[/quote]
Most banks do have strict DTI requirements…especially after 2008. This person on twitter equated 40% DTI ratios with homebuyers paying 40% of gros...
re: Homebuyers are now spending 40% of their gross income on mortgage and interest costs
Posted by hondapa26 on 7/22/23 at 11:54 pm
[quote]My 28 percent of a reasonably upper middle class income feels high (that's principal, interest and escrow) and seems at the edge of affordability.[/quote]
It seems at the edge of affordability because it is. 28% of gross income is the number that starts to make most lenders squirm. ...
re: Homebuyers are now spending 40% of their gross income on mortgage and interest costs
Posted by hondapa26 on 7/22/23 at 11:45 pm
A homebuyer’s DTI of 40% does not mean said homebuyer is spending 40% of his/her gross income on mortgage and interest. So, I don’t know where this person on Twitter got their lines crossed. Otherwise, some good info. The increasing DTI of homebuyers nationally indicates an increase in borrowing....
re: For Sale - single ticket to LSU/Ole Miss
Posted by hondapa26 on 10/21/22 at 10:02 pm
(No Message)...
For Sale - single ticket to LSU/Ole Miss
Posted by hondapa26 on 10/21/22 at 9:50 pm
Sec: 405
Row: 23
Seat: 34
$100 OBO
jebamber@gmail.com if interested.
Leaving for a baseball tourney in am. I can transfer ticket at any time.
...
re: Great article on Dylan Crews & super fan with Autism (she threw 1st pitch Thursday)
Posted by hondapa26 on 4/5/22 at 10:44 am
Occasionally?
Such an awesome story!...
Popular
23
