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It seems like 20 or even 30 years ago, people could get a house with relative ease. Now though, its insane, im struggling with this mortgage lender because they want a receipt over my HOA fees ... they're 200$/yr, but apparently they are being insistent they want this. And for the past few weeks, they have been complete pedantic assholes wanting the dumbest documents imaginable, like a job contract with the closing date of the house instead of the start date. It's actually pissing both me and everyone else off, because when i bought my first house, i dont remember it being THIS fucking hard to do

It seems like 20 or even 30 years ago, people could get a house with relative ease. Now though, its insane, im struggling with this mortgage lender because they want a receipt over my HOA fees ... they're 200$/yr, but apparently they are being insistent they want this. And for the past few weeks, they have been complete pedantic assholes wanting the dumbest documents imaginable, like a job contract with the closing date of the house instead of the start date. It's actually pissing both me and everyone else off, because when i bought my first house, i dont remember it being THIS fucking hard to do

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[–] [deleted] • 0 pt

It used to be that in order to get a mortgage you had to put at least 10% down, have had a long term job and your mortgage was 3 times your yearly income of less. The past 20 year almost no one gets a mortgage like that.

Also the HOA in bumblefuck is 99% of who maintains roads, not so much what you can do with the property.

Buy property without a HOA. Go find another bank to get the mortgage OR do like smart boomers did and save your money and buy a house cash instead of borrowing from jews to "own" property that some "Home Owners Association" controls.

[–] • 0 pt

I would advise against getting a property without an HOA if you live anywhere that has or will have less than 90% white residents in the next 20 years. Non-whites will shit up a neighborhood so fast it can be surprising, and even cities you think wouldn't allow that sort of thing will turn woke on you in a hot minute and stop enforcing that kind of shit. HOAs are your last hope.