u/04limited

Applying for a refinance. 36% LTV. It is my primary residence. Got a conditional approval. They’re asking for 3 months of utility, water, and internet as proof that I live here. Which is whatever, only headache is the internet(e billing) shows my old mailing address on statement despite service address being here(never noticed since it’s electronic). This was a No go with the bank. The other two were fine.

They’re questioning if this is my primary residence when my employer is 2 hours away(corporate office 2 hours, I work at a satellite office 15 min away).

Is this normal or are they just being picky?

They’re requesting cancelled checks for my monthly payments(private mortgage from seller). Despite already having confirmation from the lender that they’ve received payment and with an updated payoff amount they still want cancelled checks from my end as proof that I’ve been paying. Just seems redundant.

Both my insurance agent and lawyer have both mentioned this bank seems to be. There was a whole headache with Insurnace - underwriters want 60+ days on binder but binders are only good for 30 days. Been working on this for almost 2 months all of my paperwork is straight but seems like a cat & mouse game.

Got an opportunity to work for myself to make the same(and potentially more) as my current FT 40 hour week job. I’d only be working 6-7 days a month so the remaining time I’m considering taking a part time job just for health insurance and some extra money on the side.

Is working for benefits too optimistic of an idea or has anybody else actually done this?

I’ve heard of people getting hours cut so they don’t reach minimum or the plans generally being bottom barrel.

I’m currently paying $240/mo for health & dental PPO through my employer. It’s not the greatest plan but it sure as hell is better than what I was quoted to buy on my own(double the cost, HMO)