Why Did My Lender Focus on My Debt During Underwriting but Not Include It in the Mortgage Offer?

2025.01.16 16:47 ExperienceAfraid7551 Why Did My Lender Focus on My Debt During Underwriting but Not Include It in the Mortgage Offer?

Hi all,
During underwriting, my lender was very concerned about my debts and told my broker they wanted them paid off prior to completion. However, my final mortgage offer doesn’t mention debt repayment as a condition, even in the “special conditions” section.
We’re due to exchange contracts soon, but I’m worried they might still ask for proof of debt repayment before completion. Has anyone else experienced this? Why would a lender focus on debts during underwriting but not include it in the final offer? Should I still be concerned?
TL;DR: My lender focused on debts during underwriting and said they should be repaid, but the final offer doesn’t include it as a condition. Should I worry they might revisit it before completion?
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2025.01.16 16:47 Old-Base-4327 End of week 1

Today marks the end of week 1 on 10 mg of Prozac - anxiety has started in yesterday and today. I am 100% committed and plan to stay strong for at least 8 weeks. I am on it for PMDD and anxiety/depression and OCD - I was good on the OCD until yesterday and now it’s like I’m worried off and on. I was told this would happen but has it basically made your existing anxiety temporarily worse? Like - is the same stuff you were anxious about before the same now just heightened? I’m praying that this is just part of the process or maybe just that I’m starting to get closer to my period. I’ve been hopeful when reading other success stories. On the bright side sleep is coming SO much easier for me nowadays and I haven’t had any crying spells! 😊 would love to hear other peoples experiences - thank you!!
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2025.01.16 16:47 Swaylon_Da_Panda Anyone know how to get the 91 GiGi Buffon like you get 94 St CR7 from Petr Cech in icon chronicles

I need it help
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2025.01.16 16:47 Ernalore [discussion] Characters That Could Be Sin Archbishops

[discussion] Characters That Could Be Sin Archbishops I’m interested if there’s any characters you might know who would fit in the Witch Cult, especially as Sin Archbishops.
Some of my personal pics would be Dolores Umbridge (Harry Potter), Flect Turn (MHA), and Pong Krell (Clone Wars), due to their problematic personalities and their diverse abilities that make them legitimate threats.
Let me know what you guys think!
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2025.01.16 16:47 Bulldawg534 PumpSpy smart outlet not detecting running pump

PumpSpy smart outlet not detecting running pump I currently use a PumpSpy smart outlet to monitor the run cycles and extended runs of my septic pump. I have a low flow septic system where the liquids are pumped out to the municipal lines and have my solids pumped out each spring.
The septic pump is located in my basement with the float wiring running from the outside tank into my basement.
I replaced the septic pump motor and cleaned up the wiring. In doing so, I changed how it was previously wired and now the Outlet does not detect the power draw to be able to track the pump running.
I am comfortable with wiring but followed what ChatGPT had suggested which was the following:
Objective 1. Keep the outlet constantly powered. 2. Use the float switch to control when the pump runs. 3. Use the PumpSpy Smart Outlet to monitor pump activity.
Step-by-Step Instructions
  1. Turn Off Power • Turn off power at the breaker panel. • Use a voltage tester to confirm there’s no power in the box.
  2. Wiring the Electrical Box
    1. Ground Connections: • Connect the ground wire from the panel to: • The ground terminal on the outlet. • The pump’s ground wire. • The electrical box (if it’s metal). • Use a wire nut to secure all ground wires.
    2. Neutral Connections (White Wires): • Connect the neutral wire from the panel to: • The neutral terminal on the outlet. • The pump’s neutral wire.
    3. Hot Connections (Black Wires): • Connect the black (hot) wire from the panel directly to the hot terminal on the outlet to ensure constant power. • Connect the Float Switch in series with the pump’s hot wire:
    4. One wire from the float switch connects to the hot terminal on the outlet.
    5. The other wire from the float switch connects to the pump’s hot wire.
  3. Install the Outlet • Secure the wired outlet into the electrical box with screws.
  4. Setting Up the PumpSpy
    1. Plug the PumpSpy Smart Outlet into the Constantly Powered Outlet: • The outlet you wired should now be always on. Plug the PumpSpy into it.
    2. Plug the Pump into the PumpSpy Outlet: • Insert the pump’s plug into the PumpSpy outlet.
  5. Testing the Setup
    1. Restore Power: • Turn the breaker back on.
    2. Test the Float Switch: • Manually trigger the float switch to confirm it controls when the pump cycles.
    3. Verify Monitoring: • Use the PumpSpy app or interface to confirm it is detecting when the pump runs.
How It Works 1. The Outlet: Always has constant power from the panel. 2. The Float Switch: Controls the pump by interrupting the hot wire when inactive. 3. The PumpSpy: Monitors the pump’s activity through the outlet.
I have 3 sets of wires, 1 from the panel, 1 from the pump motor, and one set from the switch. The panel and motor wires are 14/2 and the float is 2 wire.
How do I need to wire this so the outlet detects the pump running?
The septic pump motor is powered by being plugged into the PumpSpy smart outlet.
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2025.01.16 16:47 rossopy Why Is Pressable Considered a Top Choice for Managed WordPress Hosting?

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2025.01.16 16:47 Educational_Relief44 Deer riding people in historical

So I did not know this but the Dukha people, also known as the Tsaatan, are the last tribe in the world to ride reindeer.
Which playing Warhammer and seeing the wood elves ride deer and stuff made me thing....wait. So we could have deer riding people in historical too!!!?
I do feel like the natives in America were not represented to their fullest in total war empire kingdoms.
This also brings me to wishing there was a fictional historical title. Basically all the empires from multiple ages but on one map at the same time period. With all the cool tribes around the world as well.
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2025.01.16 16:47 Distinct_Air_3886 What should I do?

I seriously wanna know what to do I haven't played in a month.
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2025.01.16 16:47 whitedeath97 Semi auto shotguns

Can we please bully the developer's into adding semi auto shotguns??
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2025.01.16 16:47 front-page-watch [#952|+408|51] ik🤖ihe [r/ik_ihe]

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2025.01.16 16:47 elproducer13 2,8 mill. reproducciones · 114 mil reacciones | JA JA JA EL PELUDITO TRATANDO DE ANIMAR EL DIA AL MARINO 😅🫣😅🫣 | Patricia Arredondo

2,8 mill. reproducciones · 114 mil reacciones | JA JA JA EL PELUDITO TRATANDO DE ANIMAR EL DIA AL MARINO 😅🫣😅🫣 | Patricia Arredondo submitted by elproducer13 to producershow [link] [comments]


2025.01.16 16:47 Dixz1e Pretty loaded mail day.

Pretty loaded mail day. Rise and Sanzu decks, Rubanoid w/ Destrakon, and Gacha Baku Preyas & Tigrerra.
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2025.01.16 16:47 ruinedmypeaches Swapping my PS5 to Steam Deck or windows handheld

Hi, fellow gamers! I currently own a PS5, and I’m really enjoying it. However, I’ve been busy with work and have plans to travel more in 2025.
I’m considering swapping my PS5 for a Steam Deck or a Windows handheld since most of the games I’m excited about lately aren’t too demanding in terms of graphics, like Baldur’s Gate, Persona, Slay the Spire, and Hades.
My plan is to finish Final Fantasy VII Rebirth and Final Fantasy XVI on my PS5, then make the switch.
I’m a fan of Final Fantasy games, but aside from that, exclusives don’t excite me much.
Ideally, I’d love to have both a PS5 and a handheld device, but I don’t want to own two consoles. It’s just a personal principle of mine—not to own too many things unnecessarily. I’m trying to live as minimally as possible.
For those who own a Steam Deck or an ROG Ally (either Z1 Extreme or non-Extreme), how do these devices handle games like Dota 2 (of course, docked to a monitor with a mouse and keyboard) or games like Baldur’s Gate and Persona 5? Thank you!
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2025.01.16 16:47 Repulsive-Guide2160 Just hanging out :)

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2025.01.16 16:47 diaryofanother [HELP] Unable to complete Order, Can't get my money back!

Hello everyone,
I am not sure if anyone would be able to help but I have had a nightmare week, and I don't know what to do. I will try and make it short.

Does anyone have any idea what I can do in an official capacity as I not only want my money back but I am disgusted that after showing them prove that the payment went out of my credit card they won't help me.
Thank you in advance if anyone has any ideas
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2025.01.16 16:47 Ablasininsunucusu Şeyma Subaşı

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2025.01.16 16:47 RackMC Drillback Thursdays: Lil Reese - Seen or Saw (2015)

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2025.01.16 16:47 the_repgod I stole money from hundreds of people, and i don’t feel bad

In high school, I worked the concession stand, which was just a folding table where I sold water, soda, and chips. For visitors from the opposing teams, I’d bump up the prices by about 25 to 50 cents and pocket the extra. Over the course of my high school years, I ended up making around $1,000 doing this, and no one ever caught on since I never charged the home team the same markup.
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2025.01.16 16:47 donna5304 Dear Carrie Underwood, (from a former Pastor and Father, regarding the inauguration of Trump)

https://open.substack.com/pub/johnpavlovitz/p/dear-carrie-underwood-from-a-former?utm_source=share&utm_medium=android&r=1o3knk
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2025.01.16 16:47 pr0crasturbatin Anyone got a spare ticket for the Rare Kandi Rave this weekend?

Literally just found out about this event at the Baltimore Soundstage, only to discover it's already sold out. Anyone here get tickets that they will no longer be using or an extra?
Thanks!
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2025.01.16 16:47 Legal_Ad2945 Skill issue?

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2025.01.16 16:47 Imjusten 666358376009 deoxy defense. Adding 10. Please be online🙏🏼

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2025.01.16 16:47 justin_quinnn Will Elon Musk scrap his plan to invest in a gigafactory in Mexico?

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2025.01.16 16:47 ResolveAble7814 How does one “Dive” in this game

I main psylocke. Average 35 kills and 7-8 deaths per match. In low gold I get a lot of value by ‘poking’ them aggressively pushing those that are low only to dash back out. But in terms of actually diving with the likes of wolverine, hulk etc, how do I do this? What are the triggers? Cos if I try to do it with my limited knowledge it turns into a suicide run…
Any advice?
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2025.01.16 16:47 unknownx22w Used car parts in HU

Hey guys,
I am looking for some used car parts (2 doors for a Kia Sorento 2010) And I was wondering if you know any site where people/businesses post all kind of car parts from dismantled cars.
I tried finding one using google translate and I was able to find ( racingbazar.hu ), but I hope there are more sites like this.
Thanks in advance and sorry if here isn’t the right place to post.
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https://yandex.ru/