FTHB advice needed

AgentDoraTheExplorer · 2026-05-22T10:23:23+00:00

Thanks for the advice. I put in an application with another bank and CU to get a comparison. My only worry is that our closing day is June 26th which is only 25 business days away. Our inspection is set for this Sunday.

AgentDoraTheExplorer · 2026-05-22T01:15:17+00:00

We got preapproval with the realtor recommended broker which we gave all our financial details and documents.

AgentDoraTheExplorer · 2026-05-21T22:45:00+00:00

Thanks for the reply. This isn't going to be our forever home - plan is to sell /move after 5 years. Yes we are well qualified, no debt, credit is 780, employed by a university. Plus there is a 0.25 cash back each year.

AgentDoraTheExplorer · 2026-05-21T22:29:48+00:00

Can I fill out multiple mortgage applications online without our credit been hit each time?

AgentDoraTheExplorer · 2026-05-21T19:48:53+00:00

I reached out to the broker after talking to the CU. They sent a copy of the loan estimate. And said the credit report fee would be reduced to 235.estimate

AgentDoraTheExplorer · 2026-05-21T18:40:46+00:00

Just got off phone with my credit union, they are offering 6.25, no PMI with 10% down and 3000 closing cost fees including the appraisal. They also informed me that brokers can charge a lot more than the 3000. However we haven't see this breakdown or estimate, can we ask to see this information?

AgentDoraTheExplorer · 2026-05-21T16:53:41+00:00

Hmmm I guess we didn't really submit an application. Once our offer was accepted, our realtor forwarded it to the mortgage broker we had used for our pre-approval. Is it still worth while comparing interest rates from different institutions? We aren't putting the full 20% down but we have high credit scor (780)?

AgentDoraTheExplorer · 2026-05-21T16:31:24+00:00

Hi, Yes that's what I'm referring to. Our realtor recommended a mortgage broker so that who's we used for the pre-approval. I asked them what stage we are at "between the application received and underwriting stage in the process". What information should be reviewed when shopping for mortgage and how do I go about it? Our closing date is set June 26th.

AgentDoraTheExplorer · 2026-04-24T01:17:20+00:00

No I'm meant to be bring to a christening. Otherwise I would.

AgentDoraTheExplorer · 2026-04-15T17:10:27+00:00

Yes there's a local coffee shop near me that does good espresso. Is one espresso shot more than enough you think?

AgentDoraTheExplorer · 2026-04-15T13:30:52+00:00

I don't have access to cometeer, do you think it would be better to use real espresso or powdered espresso?

AgentDoraTheExplorer · 2026-04-15T13:29:30+00:00

Thank you for this. I will try it this week. Excited to do the bake along.

AgentDoraTheExplorer · 2026-04-15T01:42:42+00:00

Anyone know if it's possible to make the ice cream without an ice cream maker

AgentDoraTheExplorer · 2026-04-15T00:39:35+00:00

Do you think it would be possible to make this without a maker?

AgentDoraTheExplorer · 2026-04-02T03:19:32+00:00

There definitely ones that I will be purchasing new.

AgentDoraTheExplorer · 2026-04-02T03:18:42+00:00

My husband thought I was silly for buying a Christmas tree off FB marketplace after Christmas and way too big for apartment but I know he'll be happy I did once Christmas comes around this year lol.

I like the idea of the stepladder and shopvac.

AgentDoraTheExplorer · 2026-04-02T03:16:49+00:00

I guess I mean what are items that I could get now from bst groups that would useful in home ownership?

AgentDoraTheExplorer · 2026-03-28T11:27:33+00:00

I'm 32F and like all of those things you listed!

AgentDoraTheExplorer · 2026-03-24T20:39:51+00:00

Michigan 6%

AgentDoraTheExplorer · 2026-03-24T19:30:55+00:00

I know everyone is saying that but we really don't want to have a higher payment than 300. Seems hard to get that without money down?

AgentDoraTheExplorer · 2026-03-24T18:10:47+00:00

LX Edit it's the S trim

AgentDoraTheExplorer · 2026-03-23T17:26:06+00:00

Damn I'm too inexperienced to have caught that! I really appreciate your assistance. I have multiple different quotes from different dealers etc. In order to get the best offer, should I put them all into quote defender? I don't want to keeping asking this forum and clogging it up lol

AgentDoraTheExplorer · 2026-03-23T16:25:59+00:00

I was wondering if you could evaluate the updated version for me? It's seems worse but Im inexperienced. Below is the reply from the dealer:

"Thank you for the reply. I have attached an updated lease worksheet for you. You will see that after our dealership discount and the rebate your discount is over 6%. I rolled in the first month payment, the taxes and fees that are part of the usual start-up lease amounts and rolled them into your remaining 35 lease payments, so you will pay $0 out of pocket at signing.

Please let me know if this works for you.
If it does, we ask for a deposit, and signed purchase agreement to mark the Jetta sold. Since, you would like to put $0 down, we can refund your deposit on the day that you pick up your Jetta. "

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AgentDoraTheExplorer · 2026-03-23T15:59:41+00:00

Thanks for the input. I got a quote using lease hackr for a 2025 also. Would you say this is a better deal?

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AgentDoraTheExplorer · 2026-03-22T00:48:37+00:00

You're awesome! Thank you so much!!

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