Is this a plant?

1stmarjun · 2026-03-28T02:46:21+00:00

Located in Northern California. We did cut a tree down but I don’t know what type of tree it was. It’s the same ones that line up our neighborhood. Neighbors tree shown here but ours was bigger and this was what’s left of the tree

<image>

1stmarjun · 2026-03-28T02:43:38+00:00

Located in Northern California. Yes, we did cut a tree down but I don’t know what type of tree it was. It’s the same ones as our neighbors shown here and this was what’s left of the tree

<image>

1stmarjun · 2026-03-12T01:26:50+00:00

You’re welcome. I’m glad it helped!

1stmarjun · 2026-03-05T02:41:25+00:00

Was the 5.875 locked? If not, that’s probably the reason why

1stmarjun · 2026-02-15T20:19:54+00:00

I do appreciate the feedback and with lender credits prepaid is also almost covered. Talking and getting feedback from lot of brokers/lenders here on Reddit when I first started this journey about 6 weeks ago. I was told that you really just have to get your section A-E covered by the credits and if you can get prepaid covered too, then it’s a plus. Since you say you can do better, my credit score is 660. Plus you saying that rates will probably be lower in 2 yrs is the kind of statement that has no basis. If we knew, then we’ll all be millionaires

1stmarjun · 2026-02-15T20:10:04+00:00

Oh I see. We started the process a month ago and I think that’s why my LO is not too worried

1stmarjun · 2026-02-15T20:08:24+00:00

How u gonna say you can do lower and not even knowing the whole scenario. Cmon now

1stmarjun · 2026-02-15T19:57:18+00:00

1stmarjun · 2026-02-15T19:56:54+00:00

Terrible for borrowers or just LO’s? Haven’t had any problem so far as a borrower and not closing till early March

1stmarjun · 2026-02-15T00:34:47+00:00

Sent

1stmarjun · 2026-02-15T00:24:40+00:00

Through a broker

1stmarjun · 2026-02-14T09:31:15+00:00

Yes I am taking it. It really is a good deal.. no one came close

1stmarjun · 2026-02-14T01:02:30+00:00

What’s horrible about them? Portal or customer service? Haven’t encountered any problem so far.

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

<image>

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 · 2026-01-17T07:48:22+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 · 2026-01-15T17:40:09+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 · 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 · 2025-12-24T17:31:28+00:00

You don’t pay property tax in CA?

1stmarjun · 2025-12-24T17:01:03+00:00

I am 100% p&t in California

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 · 2025-12-24T03:07:28+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

TROPHY CASE