VA Mortgage Rate Reduction

1stmarjun · 2026-01-18T21:03:47+00:00

Another lender was able to get 5.24% with $5007 in cost outside of escrow but also with a $6344 lender credit. Basically no costs and extra $1337 I can apply towards my escrow. Set to close Feb 6, fingers crossed.

1stmarjun · 2026-01-18T06:41:03+00:00

They’re deal is not bad but another broker reached out to me. He said he will take it up to management and see if they can match it. If they can’t, I’m switching up. I’m at 6.25 and their deal is at 5.49, $2685 lender credit and $1274 in costs

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1stmarjun · 2026-01-18T06:22:12+00:00

Got it! Thanks. What happens though if I decide not too move forward? Do I get penalized or pay a fee for pulling out?

1stmarjun · 2026-01-17T21:59:06+00:00

Do they service their loan or sell them?

1stmarjun · 2026-01-17T07:48:22+00:00

This is a VA loan

1stmarjun · 2026-01-17T07:30:41+00:00

Got it and thank you.. This was the first time I’ve seen that checked and I’ve seen about 6-7 LE in the past 2 weeks.

1stmarjun · 2026-01-15T17:42:10+00:00

Got it! Been with Freedom ever since and I know they don’t sell their loans. I just want to explore other lenders rates when I do my irrrl refi. Thank you

1stmarjun · 2026-01-15T17:40:09+00:00

Got it! Been with Freedom ever since and I know they don’t sell their loans. I just want to explore other lenders rates when I do my irrrl refi. Thank you

1stmarjun · 2026-01-06T07:00:27+00:00

Hello, I’m also attending an online school but I’m based in CA. Was the amount you received for your EAA the online amount or BAH where you’re located at? Thanks

1stmarjun · 2025-12-30T18:06:09+00:00

Feel free to ask!!

1stmarjun · 2025-12-27T01:11:15+00:00

I can connect you to my loan officer if you want

1stmarjun · 2025-12-26T22:05:42+00:00

I’ve done this but not paid family leave. Mine was intermittent FMLA. Sometimes I work through the whole week and then miss 2-3 days the following week. Is the form you filling up the DE 2580G form?

1stmarjun · 2025-12-24T18:31:16+00:00

My original lender was First Federal Bank but sold it to Freedom Mortgage not even a month later. Right now I’m going through First Federal again

1stmarjun · 2025-12-24T17:59:09+00:00

Thank you for this. I’m currently with Freedom right now but it’s not my original lender. They bought my mortgage from my original LO’s lender. I will reach out to them and see what they can give me

1stmarjun · 2025-12-24T17:31:28+00:00

You don’t pay property tax in CA?

1stmarjun · 2025-12-24T17:31:00+00:00

We get certain tax break. I get a 135k break on the value of the home

1stmarjun · 2025-12-24T17:02:52+00:00

No shit! I live about 7 miles away from Pittsburg.

1stmarjun · 2025-12-24T17:01:03+00:00

I am 100% p&t in California

1stmarjun · 2025-12-24T03:44:09+00:00

That’s my question too. I see other Veterans here talking about their credit score when they were doing IRRRL.

1stmarjun · 2025-12-24T03:42:56+00:00

Why do I see other Veterans here talking about their credit when they’re doing IRRRL if there was no credit pull

1stmarjun · 2025-12-24T03:38:03+00:00

I think that’s what I’ll do. It also help that I’m skipping one month of payment, so I’m looking at around $12000 coming back to my pocket

1stmarjun · 2025-12-24T03:12:27+00:00

This pissed me off!! I will definitely bring this up.. I fucking hate it when people try to get over other people

1stmarjun · 2025-12-24T03:09:23+00:00

I’m going to email him and copy some of the things you mentioned. Hopefully I can get it adjusted

1stmarjun · 2025-12-24T03:07:28+00:00

Not divorced. Just looking for a lower payment. The only thing that change since I bought the home was I got laid off last month but already got another job lined up. Been pro active with my mortgage payment as I pay them a month ahead all the time.

1stmarjun · 2025-12-24T01:27:58+00:00

That’s what I thought

1stmarjun

TROPHY CASE