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 starting to wonder if the LO you get with LC makes a difference on the timeline. I went into underwriting 3 days earlier than you on 9/25 and today marks 90 days since I locked my rate. My LO...
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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Dont know about the expense vs income question (never looked into it frankly).
As for the closing costs and the credit due is largely dependent on lender first. Lenders such as Better limit 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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How long has it been since you applied?
Try sending an email to both addresses below with the details of when you applied and that you are still waiting for a loan estimate. Remember try to be...
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 thought someone did post here a couple of weeks ago about getting a float down.
You should definitely be eligible, but they don't offer you a float down until you're around 10 days from 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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I'd be stoked to get that deal- seems good to me!
One thing I never thought of before - loan amount. Mine is under 300k, I wonder if that's why my rate isn't the best.
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 me also Better declined to match LC, so I asked them whether they can counter offer for different rate. Which they did, good thing about better is you can see online all the other rates too...
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 normal refi costs? i got a quote of like $10k origination and $3k points
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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before i burn a credit inquiry. can anyone inform me of the latest quotes being given:
my current loan:
California property.
296K loan
500K value
credit score + 780
currently 2.625% apr 30 yr ...
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 agree with SDPetty here that the way the 60 day grace is written is not 100% at least to me and its more of the fact that IF you made a payment to your old provider that it can take up to 60 days...
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 another Loan Cabin Update today and it's pretty crazy.
Apparently my home will need a 1004D appraisal, it's a drive by appraisal to see if there is any fire damage (There is no damage lol)...
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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Hopefully the worst case scenario is they bump me back down to 2.875%, in which case I would still net over $10k. They did issue an ICD for 3.5% with the bigger lender credit, so I am hopeful it will...
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 know of some folks who take credit in refinance and use it reduce the principal. Only catch is that they were locked in for six month or pay whatever money they took if you refinance early.
I...
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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absolutely getting nowhere w Samantha at LC. multiple emails. etc. anyone have another avenue to take... California Re-fi 70% LTV, recent re-fi was with WM 2.625% APR 30yr in August.
Will LC...
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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Don't know about the HELOC.
You might want to give Interactive Mortgage a call. In the past they've offered 15-year loans at 1.99%, and even though they are currently advertising 2.25% on their...
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 PM his contact info?
May be send Loan Depot info too if you have it.
Thank you!
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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Great! For people looking for 30-year mortgages, I wouldn't be surprised if they are at 2.375%.
That said, MBS declined today, reversing some of the pricing improvements from the past couple 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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rates for conventional high balance are typically higher than regular less than 510k 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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Has anyone actually ever received a float down from loancabin?
I'm still at 2.625 (in CA) even though according to their website I should be eligible for 2.375. - how accurate is their online rate?...
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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Submitted the app with Interactive Mortgage yesterday and was able to secure 1.99% for a 15 year. I’ll have to close my HELOC but, not a big deal. I’m planning on establishing another as soon as we...
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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Loan Cabin doesn't do a hard credit pull until you lock a rate with them. So feel free to submit the application and see what pricing you get back.
My guess is that you can get an offer for a 2.5%...
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 wanted to save 0.5% charge which is going to kick in from December 1. I had done my refinance-closing end of August. I thought 6-7 weeks would be good to close before deadline. But when I contacted...
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 know someone got 1.875 (15 years) paying 1 pt, from Owning for 300k+ loan a week ago. But again situations are different for each case; LTV, FICO, loan amount, Zip code are variables.
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 double lock? locking with two vendors and price matching, or asking for different rate after locking with same vendor?
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!
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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According to my understanding, Interest part starts as soon as loan is funded (that is why you have prepaid for interest for partial month). So delaying payment will not stop interest being added 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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Man I am beyond frustrated with LC and your posts just make it worse. I’m over 100 days into my refinance since locking and every time I ask for an update all they keep telling me is “you’re in 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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That's great, hopefully it goes through smoothly for you.
Yeah my closing docs need to show $3,162 in lender credits so I'm anxious to see if they fixed it from the initial disclosures... I should...
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 spoke to my title insurance and they told me if you rent it out that's not an issue as long as the mortgage payments are made to the lender(Better Mortgage in my case) and that is what they look 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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Same. I just got offered one rate and I locked.
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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just got todays LC rate sheet for myself. 2.5% 30 yr with $548 in credit. guess i need to wait a little hope wrates go down a bit more. looking for 2-2.5k credit to cover all the costs for the refi.
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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Read This
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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IMHO, it could be better. If Watermark is in your state you could try there or wait a few days if that works for you. I think WM gives the best rates for 15 fixed at least that was the case as 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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How do you get them to. Match ?
And why do I see lower better.com rates on bankrate vs their own site ? Do I get a lower rate by clicking tHrough?
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 has you experience been with loan cabin>?
and why did you go with them vs Better?
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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so what are you guys saying? avoid Better.com? And go with Loan Cabin?
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 planning on better and or loan cabin only
Unless you have some recommendations
I'm looking at 15 and 20 year refi. Perfect credit. No cash out. And half mortgage is paid off I'm in...
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 update peter. I may be jumping ship to LC, currently with WM locked in and not yet in the processing phase.
Applied to LC on 8/31 and a few days ago receieved my LE from LC with 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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Peter will Bob be your main contact throughout...from beginning until closing?
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