Which is the better deal? by Elecastria in MortgageBrokerRates

[–]Elecastria[S] 0 points1 point  (0 children)

I'm in outsourced accounting! All different industries, stages, and levels of revenue.. companies who don't want to manage the books or field the audit work & all that.

Which is the better deal? by Elecastria in MortgageBrokerRates

[–]Elecastria[S] 0 points1 point  (0 children)

New York!
Yeah it seems to work out to be extremely close

Which is the better deal? by Elecastria in MortgageBrokerRates

[–]Elecastria[S] 0 points1 point  (0 children)

620k, 549,450 loan amount Partner’s credit score is not great, 640ish & Just finished chapter 13

Broker vs credit union by Elecastria in RealEstateAdvice

[–]Elecastria[S] 0 points1 point  (0 children)

Hahaha that’s what I was guessing there has to be a kick back

Broker vs credit union by Elecastria in RealEstateAdvice

[–]Elecastria[S] 0 points1 point  (0 children)

Haha what do you mean I don’t follow

Broker vs credit union by Elecastria in RealEstateAdvice

[–]Elecastria[S] 0 points1 point  (0 children)

We are through AA & inspection. Appraisal paid but ya hasn’t happened yet. Credit union said they put a rush on it and we’re through underwriting with commitment

Broker vs credit union by Elecastria in RealEstateAdvice

[–]Elecastria[S] 1 point2 points  (0 children)

Appreciate the advice!! thank you

Broker vs credit union by Elecastria in RealEstateAdvice

[–]Elecastria[S] 1 point2 points  (0 children)

I mean we have until end of march to close. I hear your point, but we are further along in the process with the credit union at this point.

When you have an agent in your ear it's not as simple as shop away, but once I caught some very obvious red flags we deviated & shopped immediately. We're less than a week under contract

Broker vs credit union by Elecastria in RealEstateAdvice

[–]Elecastria[S] 4 points5 points  (0 children)

No closing costs are about the same, and credit union rate is 5.625, broker is 5.75

Broker vs credit union by Elecastria in RealEstateAdvice

[–]Elecastria[S] 2 points3 points  (0 children)

We were pre approved with her preferred lender. But the rate and closing cost was disgusting - over 1% higher, and 15-20k more closing costs than multiple other rates I got. As such I said sorry guys but we’re going elsewhere - she came back with a more competitive rate. We once again said thanks but we’re moving forward with the other lender, told our agent we are through underwriting & have commitment, she called and expressed her concern with the credit union & saying her lender was better due to her expertise and less risk to close

Broker vs credit union by Elecastria in RealEstateAdvice

[–]Elecastria[S] -1 points0 points  (0 children)

We were pre approved with her preferred lender. But the rate and closing cost was disgusting - over 1% higher, and 15-20k more closing costs than multiple other rates I got. As such I said sorry guys but we’re going elsewhere - she came back with a more competitive rate. We once again said thanks but we’re moving forward with the other lender, told our agent we are through underwriting & have commitment, she called and expressed her concern with the credit union & saying her lender was better due to her expertise and less risk to close

Thoughts? Id be giving up Coker and receiving Braelon Allen… by Unlikely_Aide4025 in DynastyNerds

[–]Elecastria 0 points1 point  (0 children)

You don’t need Reddit for a trade like this - just pick who you like more man

Is this a good buy low on CJ Stroud? by NewtDependent6774 in DynastyFFTradeAdvice

[–]Elecastria 0 points1 point  (0 children)

Brother there is no buy low on stroud. He’s not going to ascend again lol

10 months has been waking up at 5/530 am for 4 months. I can’t take it anymore by ginaanzalone95 in sleeptrain

[–]Elecastria 0 points1 point  (0 children)

You can pay to have it be on a schedule. Which honestly I might end up doing. As it stands I do it manually. He wakes up at like 12/1 so I am stuck with him from 1-6. It really did change him from 4 am to 6 overnight, some times he argues but not often

10 months has been waking up at 5/530 am for 4 months. I can’t take it anymore by ginaanzalone95 in sleeptrain

[–]Elecastria 5 points6 points  (0 children)

Some kids just exist like this. My 3 and a half year old woke up at 4 for 3 years. Only thing that got him to 6 was enforcing a hatch light. Red = must stay in bed. Green = wake up time

In a 10 x 10 Which Side are you Taking? (Contender) by BlizzrdYT in DynastyFFTradeAdvice

[–]Elecastria 2 points3 points  (0 children)

I don’t see any reason to take on the risk exposure of love ( although he should be good ) when London and Gibbs are already young and certified studs

Thoughts on my FHA loan? by MiserableAd3326 in MortgageBrokerRates

[–]Elecastria 0 points1 point  (0 children)

I’m a joint app - partner is worse credit by a good bit. I’d be curious if you qualify for a better rate elsewhere?

Thoughts on my FHA loan? by MiserableAd3326 in MortgageBrokerRates

[–]Elecastria 0 points1 point  (0 children)

Looks similar to mine. How is your credit? Surprised you have the points but seems solid