07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Yes, you want to compare A+B+C between lenders. However, that doesn't mean that the total of E+F+G+H will be the same between lenders. In our case, we saw big differences between lenders. Some...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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5,912 Replies
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I'm wondering the same thing. The lender is paying for everything including the title fees??? These rates are awesome and seems like they would not need to pay for everything to get people to...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Nikolasmor, the borrower is sacrificing a little bit in the interest rate and the lender is providing up front cash as a credit. In this scenario, since the lender is collecting more interest then...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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I already asked better.com for a match against loandepot, filled in paperwork, and now loan cabin comes in lower... I can ask for a 2nd match but I doubt they will honor it.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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The rates in your post are way lower than I see when I just did a test application. Getting close to what I have locked and processing right now.
Looking at a $165k loan, 760 FICO. Go figure.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Send an EMAIL to them and you will get back an autoreply indicating the dates of the applications they are looking at. I applied on 1 August and still haven't heard a word. It looks like they are at...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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I really shouldve checked out SD. Thought I had great deal at $490k loan 30yrs@2.75% $2600 closing cost. My credit score is 780. Should I try to get lower rate. I already submitted the documents...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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They said there was a pricing error when they sent the first estimate. The latest one is 30 year 2.5% $761K with A+B+C=$1905 and lender credit of $1174, so net $731 cost. Not too bad
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Actually ARMs, in the current environment, are doing worse than fixed rate loans. Most LOs are not even quoting ARMs for this reason. Rates vary everyday but on a good day 30yr fixed has gone below...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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They said first estimate was in error. See my earlier message:
They also offered 2.625% with same costs and $6144 in lender credit
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Whats your Loan Amount though?
I am seeing $300 points for 2.375% but I've already applied in end of June. No idea what my application status is as i've asked for it to be pulled but no...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Yeah, I did an online estimate for a couple of the big title companies and they all seem to
be in the same ballpark as the Lender chosen company.
BTW, I know that the actual title charges are...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Hi aaba78,
When opting for shorter or longer term, what we usually say is to opt for the longer term and prepay to your principal. This gives you flexibility financially if/when you need to pay...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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If you enter your information correctly on HTL you should have no problem getting that exact rate thats on the site. Good baseline to start with. Possibly could do better but they are also...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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How is LoanDepot to work with? Their rates are by far the best for me based on what I've seen. Better and LoanCabin aren't available in Virginia.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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I saw an article that states UAW announces 1.99% 30 yrs fixed... No idea on closing cost but wow.
https://www.housingwire.com/articles/uwm-announces-1-99-rate-for-30-year-fixed-mortgage/
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Why does Better.com ask for my SSN just to get current rates. Seem like just giving out my SSN right off the bat seems risky.
How do I know Better.com is not a Scam company?
please set my mind at...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Echo that.
Shopped around 10+ lenders. See my previous posts for details. LC was the lowest but the wait was long.
8/6 - LC's offer was 2.375% on 30 yr with 3.5K lender credit. Total closing...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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It has been answered but I know people don't read the forum because it's 80+ pages and they don't want to bother.
LC typically does not charge origination fee or anything in "A" for refinances (...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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I applied through them on 8/1 and sent an EMAIL to hello@loancabin.com and also haven't heard a word from them besides my initial welcome Email. My refinance was only 148K so I'm wondering if they...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Scheduled to close in early Sept. Should I be worried?
http://www.mortgagenewsdaily.com/consumer_rates/951943.aspx
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Yep been watching the rates go up. Just was not expecting that big of a jump overnight.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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I'm having a hard time finding out if this Freddie/Fannie .5% Covid charge affects LC Better LF conventional loans?
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Congrats on getting it done.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Ok, I got some info from here which seems to be an official document from Fannie regarding how the appraisal waiver works. Now the only issue would be if the lender is not using the DU software or...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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nagraw - I think it might be difficult for you to match Radian's rates.
Radian might have a commercial agreement with Better (or some "corporate rate").
As in individual we won't have the scale...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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You should be able to ask TMS to re-calc escrow if you end up sticking with them. You made the right move as that's a lot easier than them issuing all the paperwork again.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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For people who got it processed through Water Mark Home Loans, how long did each process take? Mine is at 'Document upload and loan team review'. If you have any advice then please share. I want to...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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On my LE, it's locked for 45 days. Just hope it closes successfully.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Thanks for the folks bringing up the title costs and shopping for the same.
I think we should move the Title cost/comparison shopping to its own thread here
TLDR - $500 seems to be the general...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Yes, I miscalculated the loan amount. If I add the outstanding principal and interest, it is above 1200 my new loan amount. I will ask the Closing agent on this. Thanks.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Anyone doing a back to back Refi with the same rate? Lenders are okay with it? Same lenders in the past asked for justification to which I'd drop Escrows or other things and it was okay.
...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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We need to see the rates next week , or atleast if some body applied last Thursday or Friday.. 2.5 zero cost and 2.62 zero cost is done for time being. People will rush next week to refinance becoz...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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LenderFi - Is this a good deal?
I locked with LenderFi couple of weeks ago at 2.25% for 15 years in FL refinancing $400K with LTV 80%, D+E-Lender credit = $500 which is what technically will out of...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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I would bet that Better will close significantly faster than Loan Cabin. I have a refi in progress with Loan Cabin right now and they told me to expect closing to take 60 days. If the offers are...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Did you submit the application today or last week?
Not seeing lower than 3.25 today for similar LTV, but loan amount under $400k with LenderFi. And the LO mentioned it will take them 3 days to...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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Cash out refi with better in TX:
760+ Credit
70% LTV
20% DTI
3.5% at 15 years
Kind of lame I was expecting better.
Anyone have any better suggestions lenderfi isnt doing cashout
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