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07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)

5,048 1,724 July 4, 2020 at 01:27 PM in Free Shipping (6)
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Last Edited by shahhere July 26, 2021 at 06:35 AM
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Details on how to understand the Mortgage basics and information that I understand for your learning can be accessed on this post (Click this hyperlink to go to the post); If you are new to this process and have questions this is a Must Read before asking question on the forum!


Reviving my over a decade old thread from SD and FW as the rates have gotten competitive. This thread is a SD community thread to compare and post best rates received along with their lender experience for a quick compare and estimation from a starting point.


Please note that rates will vary on quite a few factors and just because one person has a rate will not guarantee you will receive the same rate but simply use this as a guide and negotiation tactic.

All below rates are based on assumptions of certain LTV, DTI, & Excellent Credit Scores:

30 Year Fixed best rates (Assuming Good Credit & 20% down, low LTV, low DTI, etc etc):
All listed lenders are here because I shopped them and have encountered competitive pricing and not because I get any sort of a kickback....use this as a gauge for the latest but note that things can change week to week, day to day and even hour to hour:

07/14/2021 2.875% Better.com- Will consider Lender Match to beat Competitors and combine with Amex cashback (Click here for additional Forum thread details). Amex's "Digital Assist" Team @ 800-297-7500

07/14/2021 2.875% LoanDepot.com - Is competitive but works better if you have another offer for them. My LO Luke Dean
[email protected] 949-652-4521

07/14/2021 BSMFunding (David Pressel) - Call to get the latest rates (no published online). Very competitive rates; get everything in writing via email!
https://bsmfunding.mymortgage-onl...essel.html
David Pressel (NMLS: 562175)- Branch Manager - Phone: 908-208-2036
[email protected]
07/14/2021 2.5% LoanCabin [loancabin.com] - Most Competitive but refinance times have grow to almost 6 months for many people so proceed with caution as recent reviews indicate normal 1 month closing. Generally do not charge for big Lender Fees (A+B on LE) as they are under $100 in most cases; esp if appraisal is waived for your scenario.

07/14/2021 3% LenderFi - Competitive but might be slow and not work on beating other lender rates.
30 Year Fixed Jumbo Best Rates (Assuming Good Credit & 20% down):
TBD
15 year Fixed:
07/14/2021 2.0 % Better.com; matches Bankrate rates for themselves.
07/04/2020 2.5% NIH Credit Union with Lender Credit
Title Company Comparisions:
RadianTitleDirect.com - OP has used them for almost a decade with getting best rates (closed after Covid, Lender must submit order as consumer side is closed).
ALTTitle.com
https://www.valerotitle.com/ - Texas only.
Alphabetical list of other lenders (some could be non-proven without direct member experiences posted here):
  1. AimLoan - Will provide LE without hard pull if credit is frozen https://www.aimloan.com/
  2. Amerisave - will give you scores from all 3 bureaus with just a soft pull https://www.amerisave.com/
  3. Better.com https://better.com/
  4. BoxHomeLoans https://www.boxhomeloans.com/
  5. Close Your Own Loan https://www.closeyourownloan.com/...sults.aspx
  6. Colonial Mort http://www.colonialmort.com/
  7. HighTechLending http://www.hightechlending.co/Default.aspx
  8. Interactive Mortgage https://interactivemortgage.com/ Eric from IM is super rude so good luck dealing with this guy!
  9. LenderFi https://www.lenderfi.com [lenderfi.com]if the link wont work try this backend link: https://app.lenderfi.com/app/sign...r/lenderfi
  10. Loan Cabin https://www.loancabin.com/
  11. Loan Depot https://www.loandepot.com/
  12. LoanLock https://www.loanlock.com/
  13. NavyFederal CU https://www.navyfederal.org/
  14. NIH credit union (Delware, District of Columbia, Maryland, North Carolina, Pennsylvania, Virginia, West Virginia) https://www.nihfcu.org/
  15. Northpointe Bank https://www.northpointe.com/
  16. Owning.com (Operates only in CA) https://owning.com/
  17. Pentagon Federal CU https://www.penfed.org/
  18. Provident Funding - will give LE without locking rate https://www.provident.com/
  19. RatePlus (California) https://www.rateplus.com/
  20. Travis Credit Union (12 North Cal Counties only) https://www.traviscu.org/ Eligibility traviscu.org
  21. United wholesale mortgages https://www.uwm.com/
  22. Watermark Home Loans https://www.watermarkhomeloans.com/
  23. West Coast Mortgage Associates (The loan broker is in So.Cal. Debbie Morgan) https://wcmtg.com/


Shahhere

Old Thread - https://slickdeals.net/e/1223863-03-06-2009-best-mortgage-rates-from-big-reputable-lenders-30year-5-15year-5-arm-s-etc
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Last Edited by RiversofWisdom August 18, 2021 at 03:12 PM
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Quote from MeAPhool :
I think a lot of people get confused with regards to "no closing cost". Specifically I think that is with regards to A+B+C (as referenced in this post by volcomssj48 - https://slickdeals.net/forums/showpost.php?p=138543920&postcount=138)

As per volcomssj48, this is a good place to go for a basic understanding of the LE (Loan Estimate) that should be provided to you by each lender once you give all of your information: https://www.consumerfinance.gov/o...-estimate/

I'm in NJ so I can't really shop Title Insurance much as it's the cost is regulated by the state, however in other states, you can really cut down some of the costs in section "C".
Good site for daily mortgage news. Subscribe to their daily mortgage rate news to learn about their predictions. Also take a look at the rest of their site.
http://www.mortgagenewsdaily.com/...age_rates/



Potential Lenders - Mentioned in Thread
*Please add to this list and add locality if applicable*
  1. Loan Cabin https://www.loancabin.com/
  2. Better.com https://better.com/
  3. Interactive Mortgage https://interactivemortgage.com/
  4. LenderFi https://www.lenderfi.com/
  5. owning.com (Operates only in CA) https://owning.com/
  6. NIH credit union (Delware, District of Columbia, Maryland, North Carolina, Pennsylvania, Virginia, West Virginia) https://www.nihfcu.org/
  7. Loan Depot https://www.loandepot.com/
  8. Travis Credit Union (12 North Cal Counties only) https://www.traviscu.org/ Eligibility [traviscu.org]
  9. Pentagon Federal CU https://www.penfed.org/
  10. Interactive Mortgage https://interactivemortgage.com/
  11. NavyFederal CU https://www.navyfederal.org/
  12. United wholesale mortgages https://www.uwm.com/
  13. BoxHomeLoans https://www.boxhomeloans.com/
  14. LoanLock https://www.loanlock.com/
  15. West Coast Mortgage Associates (The loan broker is in So.Cal. Debbie Morgan) https://wcmtg.com/
  16. RatePlus (California) https://www.rateplus.com/
  17. Northpointe Bank https://www.northpointe.com/
  18. HighTechLending https://hightechlending.mortgagewebcenter.com/
  19. Close Your Own Loan https://www.closeyourownloan.com/...sults.aspx
  20. AimLoan - will give LE without hard pull if credit is frozen https://www.aimloan.com/
  21. Amerisave - will give you scores from all 3 bureaus with just a soft pull
    https://www.amerisave.com/
  22. Provident - will give LE without locking rate https://www.provident.com/ Best Credit Back with 60% LTV or better.
  23. Watermark Home Loans https://www.watermarkhomeloans.com/ Skip these guys. They are being rude to Slickdealers. In one occasion they have explicitly said they don't want to do business with people from Slickdeals. They also have an approach where they give you the best rate initially and just raise it more each time you ask.
  24. Colonial Mort http://www.colonialmort.com/
  25. Annie Mac https://www.annie-mac.com/ Licensed in these states https://www.annie-mac.com/page/licensed-states/
  26. Rate Rabbit https://www.raterabbit.com/ Licensed in MA and others [raterabbit.com]

Discount lenders who DO NOT accept fully documented in tax returns self-employment income:
Owning.com
BoxHomeLoans
Lower.com

Discount Lenders that DO accept fully documented in tax returns self-employment income:
Sebonic
Caliber
Sage

Title Company Shopping
AltTitle.com
mytitlegenius.com (formerly entitle direct)
TO AVOID - Settlement LTD (local Pittsburgh run away from them - high cost, very bad service, lot of delays)


Feel Free to Add Sections for Each Lender - MeAPhool

Loan Cabin - DetailsWARNING. DO NOT GO WITH LOAN CABIN. TRUST ME.
I would have lost the home if i was trying to buy a house.
I just had a normal refi and it took then 127 days to close. out of the 27 emails i sent, they responded to 3. I even had to call (complain) their main office 2 times to get a response to any emails. they screwed the closing paperwork as well.


Loan Cabin does not charge lender fees. Actually all of this is in their FAQ but of course nobody reads anything and wants everything spoon fed.

This means A+B (reference the link above in the wiki regarding Loan Estimate) in the Loan Estimate should be 0 (as long as your appraisal is waived).

You will be responsible for Title Cost (of course you can shop that to your heart's delight)
You will be responsible for Recording Fee in your county
You will be responsible for Escrows (if you so choose OR if you are close to Homeowner's OR Property Tax payment - though you can negotiate and show evidence to get it waived. Most lender's will waive it if you are choosing not to escrow and you can show proof that you paid the upcoming Property Tax or Homeowner's Insurance)

You will be responsible for Prepaid Interest (this isn't a cost. If you didn't refinance, you'd be paying the interest at your current mortgage rate which I assume would be higher).

Lender Credit - If this covers A+B+C+E then you have a no-cost refinance. If you have a surplus aside from A+B+C+E, then technically you made money on your refinance.


If you apply and do no hear back for 3 days, then on the 3rd business day, reach out to [email protected]. They will usually help get a response on your application within a day.



If the information in this WIKI does not cover your questions, then please ask. We will answer and update WIKI accordingly.

Thanks - MeAPhool

Quote from arouncoumar :
For those needing clarity on LC closing costs, I was on the same boat. See what they charge here https://www.dropbox.com/s/r30ecea...t.png?dl=0
Quote from PeterLegend :
Here is a photo of my loan estimate from Loan Cabin, my lender credits should be closer to 3K based on my initial conversations with Bob so i'm following up with him on that.

I do see title insurance in my estimate. I reached out to Owning but I didn't quality for the no cost refinance option since my LTV was 73%, it has to be 50% or lower when I spoke to them.

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Joined Jul 2014
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levinthal2
10-14-2020 at 06:07 PM.
10-14-2020 at 06:07 PM.
Quote from presto987 :
I've been responding to a lot of questions, but I have one of my own:

Do lenders collect prepaid property taxes even if you're not escrowing property taxes?

I thought the answer was yes, that they usually collected prepaid taxes if they were due over the next 2 months. Even if you don't escrow. I thought this was a Fannie/Freddie guideline.

The reason I'm asking is that I am looking to do a loan with LC that involves a very large lender credit. I was hoping to apply the credit to prepaid property taxes to avoid going over the $2000 cash-to-borrower limit for a non-cash out refi. But my LC LO is saying that I would need to escrow in order to get property taxes paid from my loan.

LC will be selling the loan to PennyMac, but I thought that PennyMac would typically sell loans into Fannie/Freddie, so they would have to follow those guidelines.

Appreciate any insight!
In my refinancing with better, I paid property tax and HOI premium as a part of closing cost even though escrow was waived in the new loan. The loan was sold to Fannie Mae. It was something I could choose. The old loan was with escrow.
I am not 100% sure, but it looks like the loan serviced by PennyMac is usually sold to Freddie Mac not Fannie Mae. This is from my own experience plus reading some of the posts.
Reply
Last edited by levinthal2 October 14, 2020 at 06:11 PM.
Joined Jul 2008
L10: Grand Master
> bubble2 6,248 Posts
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F1Racer
10-14-2020 at 06:29 PM.
10-14-2020 at 06:29 PM.
Quote from sdpettytyrant :
I think David Pressel and BSM should be removed from the list. I've not heard anything weeks after applying and emailing. Other people are reporting the same. Dave didn't give this person a great deal, 2.625% on 9/8. He also refused to put the lender credit on the loan estimate. It's disappointing.
Sometimes better to be lucky than good.
2 emails & 36 days later I closed yesterday.
~$4K in LC.
Loan isn't being sold somewhere.
Rate is 100 bps lower.
I'll live.
Reply
Last edited by F1Racer October 14, 2020 at 06:32 PM.
Joined Aug 2020
L2: Beginner
> bubble2 27 Posts
SplendidCircle329
10-14-2020 at 06:43 PM.
10-14-2020 at 06:43 PM.
Quote from mamakat :
At what point would you give up on LC and go to another lender? I've been waiting 10 weeks. I'm not getting any response to status inquiries. My appraisal was done over a month ago, and I feel if I go elsewhere I will lose that $500 fee I paid. But also, just how long do I hang on and wait? And what about the new .5% fee that's going to kick in if I go elsewhere and it takes this long?.. I'm sooo frustrated.
They're really slow and I stuck around for the same $500 appraisal fee. I locked on July 3rd, and was finally told today that I will receive my final CD in a couple days for sure. Lost count on how many days it's been since lock. They did extend the lock and float me down for free
Reply
Joined May 2005
L4: Apprentice
> bubble2 351 Posts
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KrustyVT
10-14-2020 at 06:53 PM.
10-14-2020 at 06:53 PM.
Quote from presto987 :

Do lenders collect prepaid property taxes even if you're not escrowing property taxes?

I thought the answer was yes, that they usually collected prepaid taxes if they were due over the next 2 months. Even if you don't escrow. I thought this was a Fannie/Freddie guideline.
As far as I know, every lender will include both property taxes and property insurance in the prepaids if either is due in the next six months. My understanding was that if you chose to leave it included, the title company would then make the payment on your behalf, so one would think that would be covered by any lender credits. I always choose to pay separately - for my refinance in progress I just paid my taxes and uploaded the receipt as part of my documents, and the lender will then remove this line from the prepaids on the final closing documents.
Reply
Joined May 2005
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> bubble2 351 Posts
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KrustyVT
10-14-2020 at 06:55 PM.
10-14-2020 at 06:55 PM.
Quote from sdpettytyrant :

I think Interactive Mortgage should also be removed from the list. They were shady and rude to me too.
An interesting twist for my situation - after two days, my IM consultant called back and said management has agreed to honor the 2.375% rate. I just received a new set of disclosures with that information, so I'm now proceeding from here.
Reply
Joined Sep 2009
L5: Journeyman
> bubble2 550 Posts
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mamakat
10-14-2020 at 08:07 PM.
10-14-2020 at 08:07 PM.
Quote from presto987 :
I understand your frustration. I am going through the process with LC too, though I haven't been waiting as long as you have.

If I were in your shoes, I'd definitely want a status update. Like are you waiting in the queue to have your file reviewed, or did they just get stuck somewhere? Sometimes they are just stuck waiting on one thing, and if you knew what it was, you could try to help expedite it. But you can't do that if they don't respond to you!

Have you tried calling your loan officer recently? Mine never responds to emails and only occasionally responds to texts. But when I call, he usually picks up. Also things get busier for them toward the end of each month, so if you haven't reached out recently, you could try again.

You are right that the 0.5% fee is already priced in everywhere, so assuming you locked with LC before they started including the fee, then you will lose that benefit if you jump ship.

You could try seeing if LoanDepot is willing to beat or match LC's offer. There have been several reports of this happening. I personally was able to get LD to beat my locked LC rate a few weeks ago (though I am hoping to close with LC for various reasons). I am happy to share via PM the contact info of the LD LO who was able to do this.

Hi thanks for taking the time to reply. The last time I heard from the LO was 9/29 (after a few emails), she said my loan is in the underwriting queue and should be approved very soon. I messaged right back asking if there's an update on my float down, no answer. I messaged again 10/8 asking for status, no answer.. is sending emails weekly too much? - most of the time she doesn't respond at all. I think I'll message to ask if I can do anything to speed up closing.
Reply
Joined Sep 2009
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> bubble2 550 Posts
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mamakat
10-14-2020 at 08:11 PM.
10-14-2020 at 08:11 PM.
Quote from SplendidCircle329 :
They're really slow and I stuck around for the same $500 appraisal fee. I locked on July 3rd, and was finally told today that I will receive my final CD in a couple days for sure. Lost count on how many days it's been since lock. They did extend the lock and float me down for free

Wow that's a record I think! Uggh.. how does the float down work? I got locked at 2.625 and requested float down when I saw their rates went down to 2.375.. but I never received a response/approval. And rates went up a bit since then - when did you know that they approved the float down?
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Joined Apr 2007
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> bubble2 341 Posts
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presto987
10-14-2020 at 08:12 PM.
10-14-2020 at 08:12 PM.
Quote from mamakat :
Hi thanks for taking the time to reply. The last time I heard from the LO was 9/29 (after a few emails), she said my loan is in the underwriting queue and should be approved very soon. I messaged right back asking if there's an update on my float down, no answer. I messaged again 10/8 asking for status, no answer.. is sending emails weekly too much? - most of the time she doesn't respond at all. I think I'll message to ask if I can do anything to speed up closing.
In my view, weekly emails aren't too much. I would try to call if you have her number though. It's harder to ignore a phone call.
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Joined Apr 2007
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> bubble2 341 Posts
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presto987
10-14-2020 at 08:17 PM.
10-14-2020 at 08:17 PM.
Quote from mamakat :
Wow that's a record I think! Uggh.. how does the float down work? I got locked at 2.625 and requested float down when I saw their rates went down to 2.375.. but I never received a response/approval. And rates went up a bit since then - when did you know that they approved the float down?
SplendidCircle329, I would also be interested to get more info on your experience with the float down.

What I do know is that they only check for a float down around 10 days before closing, after underwriting is done and everything is approved. Basically when they're almost ready to issue initial closing disclosures. I don't think they would float you down before that, unless SplendidCircle329 experienced otherwise.

When you're in that timeframe, they would check if rates have dropped at least 0.125% from the time you locked. If so, then you get a float down. If not, then you go with what you locked.
Reply
Joined Aug 2020
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> bubble2 61 Posts
sdpettytyrant
10-14-2020 at 08:24 PM.
10-14-2020 at 08:24 PM.
Quote from presto987 :
Do lenders collect prepaid property taxes even if you're not escrowing property taxes?

I thought the answer was yes, that they usually collected prepaid taxes if they were due over the next 2 months. Even if you don't escrow. I thought this was a Fannie/Freddie guideline.
There's no consistency.

I closed with Better barely a month before my property taxes are due, and Better did not collect prepaid property taxes.
Reply
Joined Sep 2009
L5: Journeyman
> bubble2 550 Posts
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mamakat
10-14-2020 at 08:51 PM.
10-14-2020 at 08:51 PM.
Quote from presto987 :
SplendidCircle329, I would also be interested to get more info on your experience with the float down.

What I do know is that they only check for a float down around 10 days before closing, after underwriting is done and everything is approved. Basically when they're almost ready to issue initial closing disclosures. I don't think they would float you down before that, unless SplendidCircle329 experienced otherwise.

When you're in that timeframe, they would check if rates have dropped at least 0.125% from the time you locked. If so, then you get a float down. If not, then you go with what you locked.

Hmm my LO told me the rates would need to improve by .25 percent in order to request a float down. So that's why I requested one, but it was early August. I asked for status a few times, and she told me she's waiting on response from secondary dept. . That's the last I heard and all other inquiries about it have gone unanswered Frown
Yah I'd like to know how SplendidCircle329 went about getting the float down.. and what rate did it float down "from" and "to"?
Reply
Last edited by mamakat October 14, 2020 at 08:58 PM.
Joined Apr 2016
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TraceS9652
10-14-2020 at 08:58 PM.
10-14-2020 at 08:58 PM.
Quote from qAnon09102020 :
Well, I'd just like a big thank you for everyone who has made it possible for me to get one of the best rates ever for my refi. My goal is always 30 years fixed rate refi, and here's my journey:

9/1- Applied LC Online

9/9 - Emailed [email protected] in morning to ask for update
9/9 - Received Email stating " We are currently experiencing Higher than usual turn times and are reviewing all applications from 9.1.2020"

9/11 still nothing from LC since 9/9.
9/11 applied to Dave's BSM company at 9:08am PST

9/22 Emailed Bob @ Loan Cabin and got replied back the same day but rates (2.5% but paying $730 for points) weren't as competitive as before.
9/22 Called Interactive Mortgage (IM) general line off the website, and got a hold of someone within minutes. The LO told me the rate would be 2.625% no cost, but he suggested waiting till tomorrow for possible lower rates

9/23 Locked at 2.5% no cost (A+B+C) he said. Got my first LE, but it showed 2.625%. LO rushed me into signing it, but after I signed, I called him back and said the LE didn't show what he said of 2.5%. So there was a little back and forth, and it seemed fishy at this point.

9/25 Took the IM LE to Better and they beat it by $100. Locked immediately and got my updated LE and paid for $550. The rep did tell me I qualified for approval waiver but $550 was needed and will be refunded back after the loan closes (no big deal).

9/28 Title report ordered @ Better

9/29 Broke the news to IM LO that I'm working with Better too. His response was short saying he was giving me the same 2.5% for free already.

10/7 Title received@ Better

10/8 Title cleared@ Better

10/14 got my initial closing disclosure (ICD) at 12:36AM. Though the section E recording fees was not accurate but was assured by Closing Expert that it'd be accurate on the final closing disclosure. I scheduled for paperwork signing this weekend.

If you're still following my journey, you might wonder about what is happening with IM? I have yet to receive any further response than him saying he was already giving me the same refi at no cost. I don't expect to hear anything from the IM LO since the rep I had seemed unreliable from the start.


TLDR: Here's my refi that is due to complete this weekend.
293K, 60% LTV, 44% DTI, 800 credit score, Southern CA condo.
Lender credit - (A+B+C = D) is $508 credit back @ 2.5% 30 year fixed rate.
I am pretty much in the similar situation. 290k, 55% LTV, 800 credit score. TX single house yet the best offer that I am getting is from LenderFi at 2.75% 30 years with Lender credit - (A+B+C =D) is $110 back. I have applied with better, LO, and texas lender too. Is it because my property is in TX? I have applied for LC (2 weeks ago) but has no been contacted. Is there any other lender that I can try to get the 2.5% 30 years fix rate with no cost?
Reply
Joined Jan 2013
L5: Journeyman
> bubble2 701 Posts
158 Reputation
user017
10-14-2020 at 09:18 PM.
10-14-2020 at 09:18 PM.
Quote from presto987 :
I've been responding to a lot of questions, but I have one of my own:

Do lenders collect prepaid property taxes even if you're not escrowing property taxes?

I thought the answer was yes, that they usually collected prepaid taxes if they were due over the next 2 months. Even if you don't escrow. I thought this was a Fannie/Freddie guideline.

The reason I'm asking is that I am looking to do a loan with LC that involves a very large lender credit. I was hoping to apply the credit to prepaid property taxes to avoid going over the $2000 cash-to-borrower limit for a non-cash out refi. But my LC LO is saying that I would need to escrow in order to get property taxes paid from my loan.

LC will be selling the loan to PennyMac, but I thought that PennyMac would typically sell loans into Fannie/Freddie, so they would have to follow those guidelines.

Appreciate any insight!
No escrow, have my taxes due end of Nov. Initially LD added tax to closing disclosure, but later removed that and added a principal reduction https://media.graphcms.com/7Verj6QOiUcoQystlgQP.

Its a credit that I should receive at closing and applied to new loan.
Reply
Last edited by user017 October 14, 2020 at 09:22 PM.
Joined Mar 2008
L3: Novice
> bubble2 124 Posts
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araknis
10-14-2020 at 09:56 PM.
10-14-2020 at 09:56 PM.
Quote from presto987 :
The reason I'm asking is that I am looking to do a loan with LC that involves a very large lender credit. I was hoping to apply the credit to prepaid property taxes to avoid going over the $2000 cash-to-borrower limit for a non-cash out refi. But my LC LO is saying that I would need to escrow in order to get property taxes paid from my loan.
I am in the same situation with a large lender credit. My LC LO stated that there is no $ limit for principle reduction and all excess credit will be used in this bucket.

My original plan was to have an impound account to fund my property tax and eat up the large loan credit. However, as the process drags on, I'm afraid the refi will close after the 1st installment of my property tax is due.
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Joined Mar 2008
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> bubble2 124 Posts
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araknis
10-14-2020 at 10:02 PM.
10-14-2020 at 10:02 PM.
Quote from mamakat :
Wow that's a record I think! Uggh.. how does the float down work? I got locked at 2.625 and requested float down when I saw their rates went down to 2.375.. but I never received a response/approval. And rates went up a bit since then - when did you know that they approved the float down?
The LC float down policy is that the new rate must be .125 less (it used to be .25 2+ months ago) and the lender credit >= what you currently have. I was floated down from 2.75 -> 2.625 with same lender credit.

It's supposed to be requested 2 weeks before you close, but the timing at LC is completely off so I don't think this rule really applies. My LO thought I would be closing 2 weeks ago, but I'm barely in "underwriting" and probably have another few weeks to go.
Reply
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