mhashemi

11 ms·

1.
by mhashemi 13d ago
I've got my reservations about lazy imports, but scipy in particular is such a memory hog, I've increasingly been vendoring smaller utilities out of it. Good lazy imports would be a big help.
2.
by mhashemi 10mo ago
This kind existed for a while in the USA. Current admin turned off the data stream: https://www.consumerfinance.gov/owning-a-home/explore-rates/
3.
by mhashemi 10mo ago
I'd say the exact rate as displayed might not matter as such. It's more a discovery tool for folks to find a competitive CU that they're eligible for. If the CU looks good for one type of rate, it's probably worth explor
4.
by mhashemi 10mo ago
Real talk, it's so hard to find TOTP 2FA in banking.
5.
by mhashemi 10mo ago
Yeah, it's partially automated. It doesn't use firecrawler or any other services (other than Render for hosting).
6.
by mhashemi 10mo ago
That's actually where I started! Majority (but not all) of the institutions present on the dashboard are from the CUMA :) I don't technically crawl that portal, but their robots.txt certainly seems to encourage it. Great resource.
7.
by mhashemi 10mo ago
Definitely. Unlikely that anyone starting here will get exactly the estimated monthly payment, especially as it takes time to lock in a rate and rates can change daily. What it does do is only use APRs to give as much of an apples-to-apples
8.
by mhashemi 10mo ago
Those are just some medians I either Googled or LLM'd to act as defaults. You can click that sentence and change all those values to estimate.
9.
by mhashemi 10mo ago
Love a public rates page. Added to my list for tomorrow.
10.
by mhashemi 10mo ago
Thanks, and thanks for the heads up! Feel free to shoot me a screenshot/more browser details if you don't mind: blog@finfam.app The data table is based on https://svelte-headless-table.bryanmylee.com/
11.
by mhashemi 10mo ago
It's more manual than you might think! Sent a message to the email in your profile with more details :)
12.
by mhashemi 10mo ago
If you'd like, I'd be happy to add that CU to the roster. Hoping to do more to make the full range of market options more mainstream.
13.
by mhashemi 10mo ago
Oh snap! I was just looking at originationdata.com this week! So awesome. I had originally hoped HMDA data was more than annual, but no luck. It's also a shame that the current admin turned off the data stream here: https://
14.
by mhashemi 10mo ago
The more the merrier, but as far as I can tell, there are no public rates listed on the CommunityAmerica CU site. All behind a "get in touch" interact: https://www.communityamerica.com/personal/borrow/res
15.
by mhashemi 10mo ago
Yes, extremely, especially for confirming loans: https://singlefamily.fanniemae.com/originating-underwriting/... Patrick McKenzie ( https://news.ycombinator.com/user?id=patio11 ) has a great deep dive on
16.
by mhashemi 10mo ago
Haha, my uncreative username betrays me once again. Small world! Congrats on founding to you, too!
17.
by mhashemi 10mo ago
Yeah, there's a somewhat wide variance in CUs, in terms of rates, quality of service, etc. I called a few just to spot check and these public rates are supposedly about as good as they can do. From what I gather, even the large CUs (li
18.
by mhashemi 10mo ago
Thanks! Re: DSCRs, point me to the data!
19.
by mhashemi 10mo ago
Pushing a fix to this now. Assuming we're seeing the same thing: clicking the checkbox doesn't work, but clicking the label should. Should be right as rain shortly. Thanks!
20.
by mhashemi 10mo ago
Haha, wait until you hear about our fancy 50-year mortgages we'll be getting any day now! But seriously, my favorite discovery when researching CU mortgages is the prevalence of the 15/15 ARM. It's fixed for 15 years, and the
21.
Show HN: I built a dashboard to compare mortgage rates across 120 credit unions(finfam.app)
393 points by mhashemi 10mo ago|129 comments
22.
by mhashemi 1y ago
If that's the future you're waiting for, you'll be waiting for a while. Better to get back in control now ;)
23.
by mhashemi 1y ago
supjeff, the author has screenshots of linkedin convos transacting with other businesses. there are also actual users on the product hunt site. the grift is real, and not just on LinkedIn.
24.
by mhashemi 1y ago
Show HN! Or, another commenter mentioned peerlist. But the real answer is (from the post): wherever your customers are.
25.
by mhashemi 1y ago
Yep, from a founder's perspective PH is mostly an SEO thing. I'm not sure if it's the _best_ SEO thing, but I guess that's part of being a first-time founder! Re: feeling too frugal, my friends came up with a name for it
26.
by mhashemi 1y ago
Yes, DIT is dead on. Though not completely for free. Front page is gonna cost ya $100-200.
27.
by mhashemi 1y ago
And they're still sticking to the kitty 10 years later? There are kids launching apps born after the extinction of Google Glass.
28.
by mhashemi 1y ago
AlternativeTo is full of SaaS apps! If you're not finding one, you should join and add it :)
29.
by mhashemi 1y ago
Woooow, there are so many! Impressive list, but do any of them work?
30.
by mhashemi 1y ago
Well, it's not a bad thesis in 2014. They seem to have had a pretty big hand in killing their baby in 2022, by bundling it with a crypto startup with a URL that already fails to DNS resolve <3 years later: https://a16z.co

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