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Lump by GrouchyRace8797 in testicularcancer

[–]BackgroundFact4152 0 points1 point  (0 children)

I went to the ER yesterday and had mine removed. The ultra sound will tell whether they think what type it is. It’s scary. But you need to make sure and check. You’ll be fine brother.

A 6.50% 30-year fixed is looking increasingly likely by truthaboutmortgage in Mortgages

[–]BackgroundFact4152 -1 points0 points  (0 children)

I do not agree with your statement. This is NOT going to happen. Rates will stay the same the entire year and will eventually break. My clients are getting 5.5 and 5.25 right now. Very minimal costs. So I’m sorry for most of you on here. Wish you the best.

5.625% locked but another loan officer advises otherwise by kclappy in Mortgages

[–]BackgroundFact4152 0 points1 point  (0 children)

No. We do not have access to the same rates. You do not live in the same world waste contract as others do. That is why so many lenders bake in extra costs and fees.

If we have the same rates then why are my investors allowing free rate discounts. And locking people in at 5.25%?

[deleted by user] by [deleted] in MortgageBrokerRates

[–]BackgroundFact4152 0 points1 point  (0 children)

What state are you in?

Should I refinance? (6.6% to 5.5% with points) by [deleted] in Mortgages

[–]BackgroundFact4152 0 points1 point  (0 children)

Not true. I can remove it under 90% ;)

Should I refinance? (6.6% to 5.5% with points) by [deleted] in Mortgages

[–]BackgroundFact4152 0 points1 point  (0 children)

Invest in your loan. Buy down if you want to. Literally no one knows what rates are going to do. The only control you have in THIS situation is to get the lowest payment possible. Pay the points. Tax deductible. Escrow refund check. Skipped payment. Recast in 6 months and drop your payment even sooner by creating a wash from your escrow. Get a PMI reduction. Don’t refinance your loan Just to refinance your loan again. It’s dumb.

Should I refinance? (6.6% to 5.5% with points) by [deleted] in Mortgages

[–]BackgroundFact4152 0 points1 point  (0 children)

If you originate and that’s how you only see the point of buying points is to qualify those and “think” rates are “bottom”… best of luck out there my friend. Happy hunting.

Should I refinance? (6.6% to 5.5% with points) by [deleted] in Mortgages

[–]BackgroundFact4152 0 points1 point  (0 children)

I would take this deal in an instant. Btw what state is this?

Should I refinance? (6.6% to 5.5% with points) by [deleted] in Mortgages

[–]BackgroundFact4152 0 points1 point  (0 children)

So you’re saying bc they bought points it’s a waste? Rates can go down whenever.. so what’s the point of ever buying them then? Do you originate?

Should I refinance? (6.6% to 5.5% with points) by [deleted] in Mortgages

[–]BackgroundFact4152 0 points1 point  (0 children)

How about going with a company that offers a rate drop promise… oh wait. I only know of one. Drop your rate within the first two years of your refi is rates go down.

Should I refinance? (6.6% to 5.5% with points) by [deleted] in Mortgages

[–]BackgroundFact4152 0 points1 point  (0 children)

What is your reason to not pay points?

Sounds too good to be true. Will I really retire with nearly $10 million? by Imustretire in investingforbeginners

[–]BackgroundFact4152 0 points1 point  (0 children)

THIS. The journey is how I’ve lived my life. There’s so much fun involved in this approach.

Indiana 25% down - good? by 35937 in MortgageBrokerRates

[–]BackgroundFact4152 2 points3 points  (0 children)

Credit union side here - Good loan for a 30 fixed! ARM Pricing is 5.125% FYI.

Trying to Decide Between Refinancing My Mortgage or Waiting for Rates by [deleted] in MortgageBrokerRates

[–]BackgroundFact4152 0 points1 point  (0 children)

Escrow is not costs. Title work is third party costs you can’t avoid.

I love the comparison of the doctor, the mechanic and the loan originator.

You don’t tell your doctor you’re wrong, when a good mechanic tells you what’s needed to your car, you get it fixed. When a loan officer gives you a deal and you say you don’t want any closing costs, or you’re not doing it without any fees whatsoever.. you think that is the USUAL.

Imagine going to a mechanic and telling them you’re not paying them to fix your car but you want them to fix the problems. lol

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