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Reply to "Woah, Navy Federal is hella racist"
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[quote=Anonymous][quote=Anonymous]The gap is definitely significant, but it would be helpful to have more granular data to get a clearer picture of why this is occurring. I'm curious if this discrepancy is partly attributable to family financial assistance in the home buying process. [/quote] Family financial assistance is more likely to screw something up than to help. You can't just have a family member give you a ton of money during the process. You can either: 1. Have them give the gift limit of $18,000, which doesn't really get you too far in this market. 2. Have them give more but then there needs to be a written agreement with a set interest rate and repayment schedule, and the repayment amount will be factored into your debt to income ratio. The interest rate and repayment schedule can't violate rules established by the IRS, so no 0% loans, for example.[/quote]
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