u/vadersalt

First time homeowner (NJ); finally signed with a 2mo closing. Our realtor recommended a local lender who’s been outstanding with explaining the process, getting us preapproved and finishing the underwriting super fast. Transparent on all costs as well. Issue is, he hasn’t locked us into a rate yet as he was hoping to match a 5.9 rate we saw. He’s truly one of the best local lenders and our realtor who’s incredible uses him as his go to, but understands business is business

I was separately mortgage shopping; most lenders wouldn’t lock with such a long closing but found a bank that did, and at 6% with minimal origination fees/extras, no points. We signed with them as a hedge (our broker recommended that).

Now we’re approaching the 30D window, and I’m unsure how to proceed. I’m going to reach out to our broker by end of week to get a sense of his thinking. However the bank we signed with is asking for full submission for underwriting and to then connect with our realtor.

Should I continue the process with the bank, and see how it plays out? Or do I need to make a decision now on who to go with? I’m essentially stringing them along as my safe option, and want to ensure I don’t overcommit/burn both bridges

Edit: we’re also already working with an attorney (through realtor and broker). If we go with a new lender, do they simply use ours?

As title says, anywhere to get the audiobooks cheaper or at a discount? I’m obsessed, but I’ve already used up my audible credits and can’t justify near 100$ for the remainder of the audiobooks, especially when they’re only 8-10hours each. And my library doesn’t have anything past unsouled :/

Thanks!

Spoilers up to Ghostwater…….

Damn they did RenFei dirty. I was hoping to see more of her, she seemed like such a cool character and POV with the gang. And even the hints that she may be more powerful than they thought since it was only her and Bai Rou guarding them all confidently. Goddamnit Will why’d you just cut her in half so nonchalantly

Originally got my FID and 2 pistols + those documents in NJ. Then I moved to a state that doesn’t require ANYTHING. Now I’m moving back… and I’m looking for a bit of guidance on what to expect and also how to handle owning pistols with my wife.

Moving back; do I need to reapply fully for my FID? do I need to list all the guns or just pistols I have? I’ll make sure they’re all Jersey legal, but unsure on how much work and how intrusive it’ll be.

Wife: I’ll ask her to get a fresh FID. I’m confused about pistols. Do I have to register each pistol (old and now when buying new) to a single individual? Does that mean she can’t use my night stand pistol for self defense on property?

I was going to also just call the towns police dept and ask some of these, but I wanted to get guidance before over sharing with the law lol