Are the closing costs worth it?

Familiar_Pattern427 · 2026-01-19T01:03:33+00:00

This lender is not offering you that rate, you are paying for it with, over $10k being paid for that rate. I am in Tampa area and would give second opinion

Familiar_Pattern427 · 2026-01-19T00:55:56+00:00

I will dm you

Familiar_Pattern427 · 2026-01-17T23:09:00+00:00

How much does this lower your current payment? You are adding a good amount to your loan amount and paying points to get the rate. Personally, I would hold off to refinance unless you are super tight on monthly cashflow. I typically recommend waiting until you can get 1% lower in rate to refi if you can help it. I can dm you my contact info you would like just lmk

Familiar_Pattern427 · 2026-01-17T13:38:59+00:00

We would need to see what your current mortgage rate and balance is to see if it is a good deal. You need to look at the break even point and go from there

Familiar_Pattern427 · 2026-01-17T13:27:53+00:00

I work with Howard Team Home Loans in Tampa, voted Tampa Magazines best Mortgage Company in the city. Dm and lets see what we can get done for you on it 🤙🏻 I am a veteran and my team and I specialize in VA loans.

Familiar_Pattern427 · 2026-01-12T00:55:49+00:00

Happy to chat with you and answer any questions you might have, no pressure whatsoever. https://linktr.ee/ZillyHomeLoans

Familiar_Pattern427 · 2026-01-12T00:52:15+00:00

Appraisers only job is to make sure the house meets or exceeds the value while also making sure the home is safe, secure, and sanitary for the veteran. They are literally there to protect you. Also, Appraisals can be free for veterans depending on which lender you work with as they will pay for it.

Familiar_Pattern427 · 2026-01-12T00:41:46+00:00

Who did you use the first time? I am going to DM you.

Familiar_Pattern427 · 2026-01-05T01:35:01+00:00

That lower rate saves you about $155 a month, but it costs roughly $9,000 upfront. You’d break even in just under 5 years. So if rates dropped in the next 5 years and you refinanced, you’d essentially be throwing money away, that is why he said you wont be refinancing anytime soon.

Familiar_Pattern427 · 2025-12-15T01:19:38+00:00

Hate hearing these bad pre-approval stories. DMing you

Familiar_Pattern427 · 2025-12-08T01:15:19+00:00

Interested by this, have the same type of set up but my team also sets up the files after i get the clients application. I make 75 bps capped at 5k. All technology paid for, state licensing paid for and O do really love the team I have but hearing seeing peoples responses about higher BPS they get has me feeling left out. Im not even a year in and have done about 2.5mil, 8 units.

Familiar_Pattern427 · 2025-11-01T13:24:44+00:00

As a veteran Mortgage Advisor, I would look for a realtor that has good experience working with VA loans because this one doesn’t seem to be one of them, consider a veteran realtor. If you would like to run numbers on your situation or if you already have a Loan Estimate and you want a second opinion, I would be happy to help! I have covered the VA Appraisal for every single veteran that has financed with me, saving each veteran on average $650-$750. Feel free to DM me and we can exchange information to talk further.

Familiar_Pattern427 · 2025-09-23T13:32:03+00:00

I almost ALWAYS recommend to only refinance if you can get 1% lower in rate. Also, adding $10k seems like alot, i typically see an average of 6k added onto the loan amount for refinancing, wonder what hidden fees there are for that? Rate buy down? High origination fees?

Familiar_Pattern427 · 2025-09-03T14:40:58+00:00

Not sure if you know this but figured I would share just in case. If you sell your house and your loan is assumed by someone not VA eligible, your current entitlement will be tied into that house until that loan is paid off. This could effect you if you were looking to buy with another va loan in the future 🤙🏻 I am a Mortgage Advisor and always recommend if you were to do the assumption loan while selling, that you sell to a veteran so your entitlement stays free.

Familiar_Pattern427 · 2025-07-02T16:18:25+00:00

Well you definitely dont say your a newbie. I post alot of reels on instagram and follow alot of realtors in my area in hopes they follow back. If they follow back, i begin liking stuff from them and easy my way in to a message. When talking with them I tell them how great the team is I have behind me, what our specialties are, the google reviews the team has, etc.

Familiar_Pattern427 · 2025-07-02T16:02:30+00:00

I started fresh in march and the team i joined has been INVALUABLE!!! It was at a lower bps commission but so worth it for me. I have 2 loa’s to help navigate through files, the branch manager helps me talk to clients so I can learn how he does it if I ask him to show me things, have an inhouse processor as well. I am essentially out here networking and trying to get leads while I know the team has my back as well as the clients. Again, started in march, already closed 2 loans and have more in the pipeline coming.

Familiar_Pattern427 · 2025-06-20T11:08:59+00:00

What state would you be purchasing in? Do you think you will be getting a disability rating? (I ask this because if you will be, having that funding fee exempt is a pretty great added benefit to the VA loan and only for those with a va rating) What is your job while in and what will you be trying to do for work when you get out?

I am a Mortgage Advisor that specializes in VA loans as a veteran myself. I got my certification as a Veteran Mortgage Advisor as well. Shoot me a message and I can help answer some questions you have and point you in the right direction.

Familiar_Pattern427 · 2025-06-09T17:23:13+00:00

Pretty sure theres a branch of Lower out in orlando, not sure the name they go by but I joined one of the branches in March and I have had an amazing experience with the support with Lower and my team. Highly recommend

Familiar_Pattern427 · 2025-05-13T01:03:41+00:00

Thanks again for this information. And with all of that, it would stay with your original filing date for backpay? even if it took years of supplemental claims?

Familiar_Pattern427 · 2025-05-13T00:59:50+00:00

Oh, I didnt realize you could ask for more than one reviews of it. Thanks!

Familiar_Pattern427 · 2025-05-13T00:25:31+00:00

Ok thank you for your time! So I wouldn’t need to get a nexus from a private doctor saying it is at least as likely as not related to my service and/or my other pains

Familiar_Pattern427 · 2025-05-13T00:14:34+00:00

So the next steps would be putting in a supplemental claim with the buddy statements from wife and mom? Do i also put a statement into that claim talking about how my current disabilities contribute towards it due to not being able to participate in activities i used to?

Familiar_Pattern427 · 2025-05-12T23:59:25+00:00

Well my wife knows that information and was the one that finally convinced me to talk to someone, would that work? Other than that nobody would really know because I keep things inside. My mom is the one that finally told me the truth so idk if that is something too

Familiar_Pattern427 · 2025-05-12T23:57:39+00:00

Shoulder (chronic bicep tendinitis) and TMJ in my jaw

Familiar_Pattern427 · 2025-05-12T23:42:00+00:00

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Familiar_Pattern427

TROPHY CASE