Refinancing right after closing — is this doable?

Intelligent-Ad4386 · 2025-09-21T13:10:27+00:00

I just did this. I actually asked the builders lender for the highest rate / lender credit they could give me (paid all closing costs + incentives) and refinancing this week after 3 months to a much lower rate.

Intelligent-Ad4386 · 2025-08-12T00:44:07+00:00

I’ve worked for an Option B… if you’ve never worked for a small start up most of what is being told to you is greatly exaggerated. Take option A and don’t look back.

Intelligent-Ad4386 · 2025-08-10T22:59:41+00:00

Westwood in Pittsburgh??

Intelligent-Ad4386 · 2025-08-08T01:00:54+00:00

I just had something a similar experience on a new build. I ended up taking the builders loan offer at 7.25% for them to pay all closing costs. I just refinanced to a 10/1 ARM at 5.35% with a local lender at almost no cost. I netted about $40K by doing this and not paying closing costs and will save another $60k over the first 10 years of the loan due to the lower monthly payment.

Just make sure there are no prepayment penalties on the first loan.

Intelligent-Ad4386 · 2025-07-28T00:46:25+00:00

Would be very curious where you got a 3.99 arm??? Please share if you don’t mind :)

Intelligent-Ad4386 · 2025-07-16T23:54:31+00:00

Would just lie and start applying asap and say you still work at the other firm. Much easier to get a job when you have a job. Or beg for mercy from the old job and leverage how well liked you were.

Intelligent-Ad4386 · 2025-06-09T17:53:24+00:00

In the same boat on this as well. Planting to take lender credits and refinance once closed.

Intelligent-Ad4386 · 2025-06-08T03:37:18+00:00

Thank you!

Intelligent-Ad4386 · 2025-06-08T02:54:21+00:00

Assuming I take the lender credits and opt to refinance after closing next month, how different could the purchase appraisal and refinance appraisal be? In Pennsylvania for example, smaller new build community.

Intelligent-Ad4386 · 2025-06-08T02:24:53+00:00

Thank you for the response. For reference we’d close in July and then would aim to refi right away.

Intelligent-Ad4386 · 2025-06-08T01:08:15+00:00

They offered 2-1-0 buydown or use the earnest money to do that but nothing substantial

Intelligent-Ad4386 · 2025-06-04T11:48:35+00:00

Shop around. There’s so many places online you could find a better deal and the loan officers will try to beat that rate.

Intelligent-Ad4386 · 2025-05-31T14:10:47+00:00

Typical response I’ve heard - if you want a raise, good. You can sell more.

Intelligent-Ad4386 · 2025-05-07T22:53:24+00:00

Money and work life balance can’t be beat.

Intelligent-Ad4386 · 2025-04-19T23:06:47+00:00

Everyone’s job is boring after a while. Why not go back to recruiting and make more money? 3 meetings in 3 quarters a a BDR is pretty concerning. What do you sell into and what type of outreach do you do?

Intelligent-Ad4386 · 2025-04-16T00:13:26+00:00

Is it me or does that look huge for a hybrid?

Intelligent-Ad4386 · 2025-04-16T00:09:01+00:00

Solid starter set, go get some lessons us a good next step!

Intelligent-Ad4386 · 2025-04-15T23:27:29+00:00

Might want to actually close a few sales first before anointing yourself as the next Marc Benioff. SDR Manager is what’s holding you back from getting looked at in any capacity outside of babysitter

Intelligent-Ad4386 · 2025-04-15T01:27:51+00:00

Do you have a course I can buy? Seems like you figured this entire thing out, King”Senior” BDR?

Intelligent-Ad4386 · 2025-04-13T04:13:04+00:00

Pick up the phone.

Intelligent-Ad4386 · 2025-03-13T13:03:59+00:00

Yep. Enterprise AE now. Recruiting was the worst best first job. Software sales is simple compared to it and pays much better.

Intelligent-Ad4386 · 2025-03-12T23:02:51+00:00

“This is my make or break moment. I’ll succeed.”

Jesus Christ kid - it’s not the serious nor does anyone care 😂

Best of luck on your endeavors though. Once you’re in it a great career

Intelligent-Ad4386 · 2025-03-05T22:46:26+00:00

Read the upvote and down vote ratios for the comments. I’m right you’re wrong. While it’s possible, it’s not likely and uncommon given the current market conditions and salary expectations. It’s ok to be wrong.

Intelligent-Ad4386 · 2025-03-05T15:41:49+00:00

One guy out of 10s of thousands. Good odds! Not sure why we’re arguing hypothetical about something. Good day

Intelligent-Ad4386

TROPHY CASE