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   john_darksoul (john_darksoul@pl.firelink.digital)'s status on Monday, 07-Apr-2025 23:38:15 JST john_darksoul
   Wondering if I should just put in an offer on a house right now with the assumption that rate cuts will come soon
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     john_darksoul (john_darksoul@pl.firelink.digital)'s status on Monday, 07-Apr-2025 23:38:12 JST john_darksoul

     in reply to

     • Ulysses
     @professionalbigot69 No, my job is away from family and I was unable to find a decent job near them. Although I found sort of a Goldilocks area that has a pretty amazing nig to rent ratio. I’m ok here, but paying rent is gay if you can avoid it.
     BowserNoodle ☦️ likes this.
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     Ulysses (professionalbigot69@poa.st)'s status on Monday, 07-Apr-2025 23:38:13 JST Ulysses

     in reply to
     @john_darksoul really can't stay with immediate or adjacent family or is everyone just short on space?
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     Ulysses (professionalbigot69@poa.st)'s status on Monday, 07-Apr-2025 23:38:14 JST Ulysses

     in reply to
     @john_darksoul if you're married, sure
     
     if you're a bachelor, you should stay-with-family-maxx
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     john_darksoul (john_darksoul@pl.firelink.digital)'s status on Monday, 07-Apr-2025 23:38:14 JST john_darksoul

     in reply to

     • Ulysses
     @professionalbigot69 I can’t family max, but I agree that’s optimal if you can. I really wanted a house this year but my options are pretty mid. I’ve seen one house that I liked but it’s 50k outside of my price range. If mortgage rates dropped to 3% then I could do it. If not I’d be house broke.
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     BowserNoodle ☦️ (bowsacnoodle@poa.st)'s status on Monday, 07-Apr-2025 23:38:40 JST BowserNoodle ☦️

     in reply to
     @john_darksoul Rate cuts will take a while to happen, but you can ask the lender to keep the rate floating and not lock in.
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     john_darksoul (john_darksoul@pl.firelink.digital)'s status on Monday, 07-Apr-2025 23:41:45 JST john_darksoul

     in reply to

     • BowserNoodle ☦️
     @BowsacNoodle Floating rate seems dangerous. Especially if I’m already pushing out of my affordability zone.
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     BowserNoodle ☦️ (bowsacnoodle@poa.st)'s status on Monday, 07-Apr-2025 23:43:36 JST BowserNoodle ☦️

     in reply to
     @john_darksoul Sorry I meant on a fixed rate. Got the edit in too late. They will lock a rate or let it float for however long. Usually there's a small cost in points that it might credit bank to you if you're not locking in a rate on application.
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     john_darksoul (john_darksoul@pl.firelink.digital)'s status on Monday, 07-Apr-2025 23:43:41 JST john_darksoul

     in reply to

     • BowserNoodle ☦️
     @BowsacNoodle Oh I see you meant before signing not after
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