Just agreed to purchase my first house. What do I do next? | Page 2 | TigerDroppings.com
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Tigerstudent08
LSU Fan
Lakeview
Member since Apr 2007
5377 posts

re: Just agreed to purchase my first house. What do I do next?

I just called Chase and they are the lowest so far by a big margin. They gave me a rate of 4.75% when I pay an extra $400 in closing costs. I would also get 1% back on all payments.


Oenophile Brah
LSU Fan
The Edge of Sanity
Member since Jan 2013
6390 posts

re: Just agreed to purchase my first house. What do I do next?
quote:

I would also get 1% back on all payments.

1% on every mortgage payment?

That's pretty good if that is the case.

I didn't look at Chase very closely when I shopped rates. I did get in lower that 4.75 with zero additional costs. This was about a month ago, though.


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hawkeye007
LSU Fan
greenwell springs
Member since Feb 2010
2012 posts

re: Just agreed to purchase my first house. What do I do next?
Chase is horrible i warn you now it will take them at least 60 days to close that loan.


Tigerstudent08
LSU Fan
Lakeview
Member since Apr 2007
5377 posts

re: Just agreed to purchase my first house. What do I do next?
I called Whitney and left the agent a message. Waiting on a call back from them. If they can get me 4.5% than I will go with them.


MG
LSU Fan
New Orleans
Member since Dec 2007
271 posts

re: Just agreed to purchase my first house. What do I do next?
Did you check with iberiabank? They were the lowest for me in April.


Tigerstudent08
LSU Fan
Lakeview
Member since Apr 2007
5377 posts

re: Just agreed to purchase my first house. What do I do next?
Yea I got one from IberiaBank. Chase is about $140/month lower than them. So far they have kicked every other offers ass!


BananaHammock
LSU Fan
Californication
Member since Aug 2011
8423 posts

re: Just agreed to purchase my first house. What do I do next?
Damn, you just missed out on rates in the threes.


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donRANDOMnumbers
New Orleans Pelicans Fan
Lafayette Rouge
Member since Nov 2006
12889 posts

re: Just agreed to purchase my first house. What do I do next?
Call a closing attorney. They can Guide you.
This post was edited on 8/5 at 11:11 pm


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Eon Blue
LSU Fan
River Ridge
Member since Feb 2007
383 posts

re: Just agreed to purchase my first house. What do I do next?
Call Xplore FCU and ask for Doug in the mortgage department. It's the old Shell New Orleans credit union. Rates are usually very competitive.


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hawkeye007
LSU Fan
greenwell springs
Member since Feb 2010
2012 posts

re: Just agreed to purchase my first house. What do I do next?
post your email and i will shoot you an email with a whitney contact


Tigerstudent08
LSU Fan
Lakeview
Member since Apr 2007
5377 posts

re: Just agreed to purchase my first house. What do I do next?
I just spoke to a lady named Mindy at Whitney. She gave me a rate of 5% with no points. Monthly P&I payments were right at $1,675/month. Iberia Bank was at the same monthly payments. Chase is at $1,627/month but that is with .125% points


hawkeye007
LSU Fan
greenwell springs
Member since Feb 2010
2012 posts

re: Just agreed to purchase my first house. What do I do next?
i would ask Mindy about paying the same in discount and see if she can match the rate, doesnt hurt to ask. good luck


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