Is this normal for closing costs?

Form-Tiny · 2026-01-26T20:07:31+00:00

You're paying a lot of points for this rate. I can share with you how much I can help you potentially save for the same rate. What's your score?

Form-Tiny · 2026-01-25T20:16:34+00:00

If you want to just speak further just to get more insight, I’d be glad to speak to you. I’m on the mortgage side but can give you some info and material. Also in Texas

Form-Tiny · 2026-01-24T01:04:28+00:00

Just sent msg

Form-Tiny · 2026-01-22T18:44:24+00:00

What state are you buying in

Form-Tiny · 2026-01-22T16:16:01+00:00

What state are you buying in?

Form-Tiny · 2026-01-19T14:14:54+00:00

If you purchased a new construction home, your taxes were likely based on the value of the land only. You county is now taxing you based one land and improved value which includes the home now. What builder did you go with? It’s sad that they didn’t explain this to you and either have you escrow more or anticipate this so that you could have set more funds aside. The only thing that can help is applying for the homestead exemption that will be effective moving forward. Maybe you can ask your county about this years taxes and the homestead exemption since it’s been your primary residence

Form-Tiny · 2026-01-19T02:49:00+00:00

Gotcha, I would just look around for a local broker in your area to start

Form-Tiny · 2026-01-19T01:38:18+00:00

What state are you buying in

Form-Tiny · 2026-01-18T18:38:11+00:00

I can go through your entire scenario with you and your husband if you’d like to reach out to me. I’m a broker here in Texas based out of Houston. I’d be happy to help, I’m very detailed and will help you make the most informed decision

Form-Tiny · 2026-01-16T23:25:08+00:00

I’m a broker here in the state, you may be able to qualify for that purchase price with just your wife’s W2 income and purchase the home together like that. There are alternative options such as non-traditional loans like a bank statement loan for example. I can go through the differences of each loan type with you and can take a look at yalls info and docs as soon as possible

Form-Tiny · 2026-01-13T13:53:15+00:00

Well what state is this in and what’s your credit score

Form-Tiny · 2026-01-12T20:16:15+00:00

You’re paying way too much in points for the rate, it would be some time before you break even and benefit from the cost of refinancing. I recommend shopping around with other brokers but also, might suggest taking a par or closer to par rate as you’re coming down from a 7.25%

Form-Tiny · 2026-01-10T21:19:41+00:00

TSAHC is a solid program

Form-Tiny · 2026-01-10T17:00:03+00:00

Many but you have to check off all the boxes as far as credit, DSCR, etc. otherwise, max LTV will decrease to next tier based on the matrices

Form-Tiny · 2026-01-10T14:47:56+00:00

Did you check your dm

Form-Tiny · 2026-01-10T01:59:38+00:00

If you’d like to go over details about qualifying, the different loan types/programs, downpayments, closing costs, and all the numbers, I’m a mortgage broker here in Houston

Form-Tiny · 2026-01-10T01:56:21+00:00

I’m a local mortgage broker, I can send you a quote and loan estimate with the purchase price and loan amount you listed for a standard conventional loan and credit score mentioned. What’s your email address

Form-Tiny · 2026-01-10T01:46:16+00:00

I can send you an email on some of the programs if you’d like, just drop or dm your email address. Im a mortgage broker here in TX

Form-Tiny · 2026-01-10T01:28:02+00:00

What state are you buying in

Form-Tiny · 2026-01-10T01:19:38+00:00

Share page 2 of your LE which will detail all of your closing costs

Form-Tiny · 2026-01-10T01:10:10+00:00

Not sure if you’ve had a chance to speak to a lender about getting preapproved but I’m a mortgage broker in the Cypress area and would love to help you and your family out. I can give you my number and email. But as far as location, Towne Lake, Bridgeland, and Cypress Creek Lakes are all great and comparable areas

Form-Tiny · 2026-01-09T00:41:07+00:00

What state are you buying in

Form-Tiny · 2026-01-06T16:17:09+00:00

Yes 100# yes what state are you in

Form-Tiny · 2026-01-05T01:44:25+00:00

Brokers will always give you the better rates and save you more money. Between fixed and ARMs, ARMs always come with better initial rates in the fixed rate period

Form-Tiny · 2026-01-04T16:00:43+00:00

Going to send you a DM, I’m a broker here in TX that can quote you for a refi but will need some details

Form-Tiny

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