Marriage for Dummies 101 - Page 4

Mr_Draco · 02-09-2011, 07:15 AM

Quote:

Originally Posted by Augie1978

Dude, no it is against the law to charge different rates depending on marital status.

As said above, rates aren't just based on credit, they are also based on debt to income ratio. While her credit may be bad and will hurt their combined credit score, her income will now be figured into the debt to total income ratio which could very well result in a lower mortgage rate depending on the lender. The only issue with this is, if she has any debt, her debt will also be figured into this calculation.

Augie1978 · 02-09-2011, 07:56 AM

I think Fannie Mae guidelines require loan level price adjustments (higher rates) for lower credit scores and higher LTVs and not for different debt to income ratios, not 100% sure though.

SlingShot · 02-09-2011, 09:13 AM

Quote:

Originally Posted by Iroczlover

YES IT DOES learn these words well, "YES DEAR ANYTHING YOU SAY DEAR"

because if Momma is not happy NO ONE is happy.

been married 18yrs ths summer to a great man, yes we fight, but when we are mad, we also learned to say This may come out wrong but,
it works,

Been married most of my life, and hate to admit it but the woman runs the ship ... All you guys can get macho all you want and try and brag that you wear the pants. That's only because your wife is in the other room and can't see what your posting.

Compromise, Compromise, Compromise ...

2FST2LIV2YNG2DY · 02-09-2011, 11:40 PM

i applied and was approved for a mortgage from my bank and the rate was 3.4 %

Stingr69 · 02-10-2011, 08:22 AM

My grandfather allways told me: "Don't get married...and raise your children the same way".

-Mark.

PoorMansCamaro · 02-10-2011, 08:40 AM

heh..."Marriage for Dummies". is there any other kind? lol

garcmol · 02-10-2011, 08:52 AM

Quote:

Originally Posted by iLLaDeL_LyRiKaL

i applied and was approved for a mortgage from my bank and the rate was 3.4 %

That's great!

Hired Gun · 02-10-2011, 10:10 AM

COMMUNICATION IS KEY!!!!!!!!!!!!!!

Talk alot. Do not keep things back, and be honest.

If she does not cook, clean, and other fun things then you better think long and hard.

I was raised in a home where I helped with house work, and glad I did because my first wife did those things for a brief period, then just quit because I was doing it all. I got tired of it and told her we needed to share the responsibilities 50/50. Plus I farmed 500 acres full time, and taught school. Finally enough was enough and there is the door.

Now I have the best woman god could have ever created besides my grandmother.... We talk all the time whether it is a good talk or a tough talk, but at least we know each other and feel love and trust. I could not have done better if I had tried with her. Wedding is coming up this summer, and I will finally be happy for the first time since I left home.

2FST2LIV2YNG2DY · 02-10-2011, 01:02 PM

Thanks people!!

Yea she cooks, cleans, washes my underwear, irons my uniform for work, she caters to me... its pretty hard to find a woman like that now a days

Hired Gun · 02-10-2011, 01:10 PM

Sounds like you have a good one then.

JasonK · 02-10-2011, 01:26 PM

Have your finance people figure your loan both ways. I'd be really shitty to exclude your wife the joy of going through a mortgage. They the two of you can decide what is best. Good luck to you!

KeepItGreasey · 02-10-2011, 09:01 PM

Quote:

Originally Posted by iLLaDeL_LyRiKaL

Thanks people!!

Yea she cooks, cleans, washes my underwear, irons my uniform for work, she caters to me... its pretty hard to find a woman like that now a days

What's the world's most fattening dessert?

Ivas · 02-13-2011, 08:29 PM

Remember who you are so that when she starts fittin' you for a ball 'n chain you'll know when to raise the PIMP hand.

02-09-2011, 07:56 AM	#44
Augie1978 Drives: 2011 2SS RS Vert Join Date: May 2009 Location: Central Illinois Posts: 621	I think Fannie Mae guidelines require loan level price adjustments (higher rates) for lower credit scores and higher LTVs and not for different debt to income ratios, not 100% sure though. __________________ 2SS RS, Triple Black Vert, Manual, Hurst Shifter. American Racing Headers, Roto-Fab CAI

02-10-2011, 08:40 AM	#48
PoorMansCamaro Drives: Really Slow Join Date: Apr 2010 Location: PA Posts: 57,229	heh..."Marriage for Dummies". is there any other kind? lol __________________

02-10-2011, 10:10 AM	#50
Hired Gun Wild Man Drives: 2010 Camaro Join Date: Sep 2010 Location: Milford, Ky Posts: 516	COMMUNICATION IS KEY!!!!!!!!!!!!!! Talk alot. Do not keep things back, and be honest. If she does not cook, clean, and other fun things then you better think long and hard. I was raised in a home where I helped with house work, and glad I did because my first wife did those things for a brief period, then just quit because I was doing it all. I got tired of it and told her we needed to share the responsibilities 50/50. Plus I farmed 500 acres full time, and taught school. Finally enough was enough and there is the door. Now I have the best woman god could have ever created besides my grandmother.... We talk all the time whether it is a good talk or a tough talk, but at least we know each other and feel love and trust. I could not have done better if I had tried with her. Wedding is coming up this summer, and I will finally be happy for the first time since I left home. __________________ 2010 Camaro Black with White Stripes, Jannetty Racing Roto-Fab CAI, VMAX Ported Throttle Body, Long Tube Headers, GMPP Axel Back, Emblem Pros Custom "VOODOO" Under hood Bow tie, Chrome Gill Inserts, HUD plate, Sparks Performance White SS front and rear Plate MPD-1 Spoiler

02-10-2011, 01:10 PM	#52
Hired Gun Wild Man Drives: 2010 Camaro Join Date: Sep 2010 Location: Milford, Ky Posts: 516	Sounds like you have a good one then. __________________ 2010 Camaro Black with White Stripes, Jannetty Racing Roto-Fab CAI, VMAX Ported Throttle Body, Long Tube Headers, GMPP Axel Back, Emblem Pros Custom "VOODOO" Under hood Bow tie, Chrome Gill Inserts, HUD plate, Sparks Performance White SS front and rear Plate MPD-1 Spoiler

02-10-2011, 01:26 PM	#53
JasonK Drives: 2010 Camaro Join Date: Aug 2010 Location: Topeka, Kansas Posts: 713 View My Garage	Have your finance people figure your loan both ways. I'd be really shitty to exclude your wife the joy of going through a mortgage. They the two of you can decide what is best. Good luck to you! __________________ 2015 Sentra / 2015 Murano / 2012 HD Ultra Classic / 1995 Z71 / 1966 Mustang

02-09-2011, 11:40 PM	#46
2FST2LIV2YNG2DY ...this is my addiction! Drives: SOLD Join Date: Jul 2010 Location: AZ Posts: 1,287	i applied and was approved for a mortgage from my bank and the rate was 3.4 %

02-10-2011, 08:22 AM	#47
Stingr69 '69 Owned Since '79 Drives: '69 Z/28 LeMans Blue w/White Join Date: Oct 2008 Location: LR AR Posts: 1,848 View My Garage	My grandfather allways told me: "Don't get married...and raise your children the same way". -Mark.

02-10-2011, 01:02 PM	#51
2FST2LIV2YNG2DY ...this is my addiction! Drives: SOLD Join Date: Jul 2010 Location: AZ Posts: 1,287	Thanks people!! Yea she cooks, cleans, washes my underwear, irons my uniform for work, she caters to me... its pretty hard to find a woman like that now a days

02-13-2011, 08:29 PM	#55
Ivas el Ruco Drives: 2010 Camaro SS (now runnin' TENS ) Join Date: Nov 2009 Location: Fontana, CA Posts: 7,388	Dude! Watch out! Remember who you are so that when she starts fittin' you for a ball 'n chain you'll know when to raise the PIMP hand.

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
Dragracing 101 Videos	Paul Huizenga	Dragstrip and Launch Techniques Discussion	30	10-05-2010 10:58 AM
Road Trip down Route 101	Steve Dallas	USA - Northwest / Pacific Northwest	7	02-18-2010 06:50 PM
101 Octane	Steve Dallas	5th Gen Camaro SS LS LT General Discussions	7	01-02-2010 08:44 PM
spotted a beautiful maro 101 N bound.	5thedmaro	USA - Southwest	11	09-26-2009 01:29 AM