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 anyone who's done principal reduction on refinance, is it normal for the principal reduction funds(say $1000) to go to new lender? The loan I'm borrowing from the new lender remains same as the...
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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This experience combined with mine makes me suspicious that maybe LC is getting tired of people using them as a way to get LEs to take to faster closing companies. I got an LE with amazing terms...
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 from Northern VA getting refinance, i am also looking .
LoanDepot gave me on Friday: 15 year fixed 2.375 with $2000 closing cost
and 30 yr for 2.875 with closing cost $2800
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 also got the lowest quote so far from Watermark. 2.75 with 1800 closing costs on a 298k loan with 70% LTV. Not as good as some of the quotes im seeing in the thread but beats the 4.125 im paying...
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 used Sabonic? Bankrate.com showed that Sabonic offered the lowest rate for me, never heard of them before.
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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My state isn't serviced by Better so I submitted applications for AimLoan, Rocket, Chase, Bank of America, Loan Depot, Box Home Loans, NASB, and HighTechLending.
Rates varied over half a percent...
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 locked on 10/16..Appraisal 10/25..Appraisal in system 11/05. I was told before thanksgiving that my loan would be approved within first week of December ....Final Approved was on 12/30..They gave...
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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Maybe the $4745 difference in the 2 rates is what he is talking about?
You can achieve that back if you put the $1250 and earn at least 4.5% back
Shahhere
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, thanks for posting. Inept company, using COVID 19 as an excuse, not want to deal with them anyway.
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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That should cover all costs. What do you think?
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 took 4 business days to get a response and I told them to pull my credit to give me a accurate quote/LE. I locked on that day itself.
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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https://hightechlending.mortgagewebcenter.com/CheckRates
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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What are A+B+C ? What about lender credits ?
Typically LD charges loan origination fee ?
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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Update on my loan-
Still working with Better, still no communication. I asked them 5 days ago to change over to Radian and no responses whether they have or not. No other progress on the loan that...
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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Who was the person responded? Any details?
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 successful in finding a good company / agent from this post's list that does refinancing in Florida? The rates I'm getting from traditional mortgage brokers are above 3%.
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 go through with LC they might still do it. Some lenders do the appraisal waiver check only after you have signed the initial set of disclosures.
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 was told my total costs will be around $3200 and i would get $2600 in credits so inthe end i will be on the hook for $600 to close.
LE is showing i need $3600 cash to close. I have been honest...
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- Closing cost $3992 includes $1755 in loan costs +3608 on other costs -1371 in Lender credits...2.875 @30yrs. No appraisal. SO my cost of doing a refi is $3992 will be rolled into the loan...
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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See if they can provide a reason; ifs caused by you or title then they can do that but shouldn't if the delay is on their end. I know another user who is getting issues with LD and they simply...
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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https://findamortgagebroker.com/homeowner-homebuyer/Search
You need to find a broker that works with them. This is the site they put up.
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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My lock expired August 30th and I’m almost out of underwriting and expecting my CD. I think their process is to get the application out of underwriting and then send a CD. The communication I got...
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 quizzer- true, the APR is lower with 15 years at 1.99% and no closing costs, but the interest paid over 15 years at 1.99% versus my 10 year loan at 1.75% is much higher, even accounting for my...
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 do not recommend Loan Depot. They required I do a hard credit pull in order to get a quote, then it was MUCH higher than other ones. Like 0.375 higher. This is LTV below 50%, conforming, no cash...
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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Here is my experience, I contacted David from bayshore and submitted the refinance application on September 30, David contacted after a week and requested the documents, the rate promised was 2.625...
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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Hey araknis,
Speaking with Bob, he never mentioned a "final audit approval" yet but we'll see what he says on Tuesday afternoon...
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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Jimmy it is extremely frustrating. I don't know if it helped my case, but I kept uploading all my updated paystubs, bank account statements, and proof of property tax payment, etc. as new items 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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Anyone find a lender doing cash out refis for investment property?
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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Someone else already commented but I wanted to post something along the same line. The 30 year gives you the freedom to pay a smaller amount if you have to for unforeseen reasons but you can 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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Count yourself lucky - I had to wait a month to get any numbers from LC (back in August/Sept).
I agree with JudiciousBuyer. It doesn't really matter that much whether you roll in the costs or 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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A lot of this is done to be RESPA compliant in that your initial Loan Estimate is higher and conservative. Subsequent LEs cannot be more than 10% higher and so this almost always guarantees that the...
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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Is there a LC contact other than Samantha?
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 have not but you should ask. If they say no, you can try applying with other lenders to see if anyone else will give you a better rate/package.
You could use Loan Cabin's LE with other lenders...
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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when did you send the request ?
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 your feedback. It helps a lot.
I will see how it goes with them?
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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MILDEC - I would take nicemann's advice ( I quoted his response ).
United Wholesale Mortgage appears to be giving great rates, but you have to go through a broker. Use that search tool to find a...
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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Can you please provide your timelines and experience with WM? I am in the process with them WM and hence will help me.
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 is the slickdeals effect. If the lender you found was posted on slickdeals and “everyone” applied, you might end up in the same scenario.
People post on SD to help each other out, but it does...
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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What is the consensus on financing any of the closing costs?
Loan Cabin sent me an estimate (finally, after a week!) and it includes about $2,600 in closing costs. I'm wondering if it makes sense...
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