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1
Posted on 8/9/22 at 5:58 pm to SDVTiger
quote:
MI with good fico Conv at 90% is like .2
Yeah broker just got back and said MI would be 39 a month as opposed to putting down another 25k and would be able to remove PMI at 41st payment or 1600 paid in
Posted on 8/9/22 at 7:56 pm to Lsut81
Yeah only put 10% down with the MI
Save the other cash
Save the other cash
Posted on 8/9/22 at 9:17 pm to SDVTiger
Any suggestions on where to shop rates?
Are bankrate and those that show lenders rates legit? Some of those are showing 4.6 and the likes on a 30
Or Lending tree and rocket mortgage?
Are bankrate and those that show lenders rates legit? Some of those are showing 4.6 and the likes on a 30
Or Lending tree and rocket mortgage?
This post was edited on 8/9/22 at 9:20 pm
Posted on 8/9/22 at 10:59 pm to Lsut81
Do not use rocket mortgage or anything like that, they will have highest rates by far. Find a guy who can do the shopping for you. Hopefully get something like gmfs
Posted on 8/10/22 at 6:18 am to Lsut81
I don’t keep up with the individual rates for lenders as there’s too much fluctuation and too many factors that go into what rate you get.
I do however have several lenders I have my clients contact to talk directly with about their situation to see what the options are. One has an “i’ll meet or beat anyone else’s rate” motto. He’s pretty good at it too if the borrower meets their criteria.
I do however have several lenders I have my clients contact to talk directly with about their situation to see what the options are. One has an “i’ll meet or beat anyone else’s rate” motto. He’s pretty good at it too if the borrower meets their criteria.
Posted on 8/10/22 at 7:00 am to llfshoals
quote:
do however have several lenders I have my clients contact to talk directly with about their situation to see what the options are. One has an “i’ll meet or beat anyone else’s rate” motto. He’s pretty good at it too if the borrower meets their criteria.
Do they operate in Texas?
Posted on 8/10/22 at 10:17 am to Lsut81
quote:
Any suggestions on where to shop rates?
Like others said use a broker
Retail is expensive
Pay for the rate. Tell them u want that option and to get a small cost credit
Rates went down again today so jump on it
Posted on 8/10/22 at 10:25 am to Lsut81
Sorry no. Alabama
Posted on 8/10/22 at 11:58 am to SDVTiger
quote:
Rates went down again today so jump on it
how much did they drop?
Haven't seen
Posted on 8/10/22 at 12:00 pm to Billy Mays
quote:
You won't get the best interest rate available (posted) without the 20% down.
Lenders don't really tell you that, but once you get your first loan estimate it will become clear :)
This is just flat-out wrong. I got a 2.6% rate in Oct '20 with only 5% down.
Always put the least amount down as possible. As we see with inflation, that little PMI payment for me is now pennies on the dollar in just 2 years.
Posted on 8/10/22 at 12:05 pm to Lsut81
quote:
Pay for the rate. Tell them u want that option and to get a small cost credit
And in english?
Posted on 8/10/22 at 12:23 pm to Lsut81
Better.com
Posted on 8/10/22 at 12:36 pm to whiskey over ice
Locked 4.52% yesterday on a 30 yr V.A., was down as low as 4.1% last week tho
Posted on 8/10/22 at 9:00 pm to Lsut81
quote:
And in english?
Tell the lenders you want to go Borrower Paid
Get the par rate, they will charge you a point or whatever flat fee
That way you get lowest rate
If you want slightly higher than the par rate you will get a credit towards costs.
They will know exactly what you are saying
Posted on 8/11/22 at 8:37 am to Lsut81
Phil Long un Grapevine TX can quote you
C: 214.507.8478
C: 214.507.8478
Posted on 8/11/22 at 11:26 am to Lsut81
shoot me an email at edhawk75@gmail.com i work for Hanock Bank and we lend in Texas. need some details and i can quote you a rate.
Posted on 8/11/22 at 4:10 pm to Lsut81
I didn't put 20% down and had PMI waived. Find a good broker. Can also email you mine if you'd like.
Posted on 12/12/22 at 10:48 am to Lsut81
I operate in nationwide and I can typically beat any rate- but if I see a loan estimate that I can’t beat and it is legit, I advise my clients to take it.
Posted on 5/11/23 at 3:25 pm to Lsut81
quote:
In an X zone.
100%
Where you moving from and to?
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