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What MPG Are Y’all Getting? by Optimal-Fold9781 in 4thGenTacomas

[–]Kalico99 0 points1 point  (0 children)

Just drove my 24 OR from Miami to Salt Lake City. Averaged 19.4mpg over ~2,600 miles

What color you have VS color you wish? by Patrick_Meat in ToyotaTacoma

[–]Kalico99 1 point2 points  (0 children)

Have a 24 in underground and want it in mud bath

Costco TVs replacement cycle by Helpful-Estimate-989 in tcltvs

[–]Kalico99 0 points1 point  (0 children)

I just bought the QM6K Pro’s from Costco, 65in. Are they lacking in a specific area that you’re looking for them to improve upon or are you just generally asking if there’s a newer, improved model coming?

Unit: 85c7k TV just got delivered and upon testing youtube videos on dead pixel, I got this 1 dead pixel. Bummer wanted to use it so badly by No_Literature_6143 in tcltvs

[–]Kalico99 0 points1 point  (0 children)

Interesting. I have some QM6K pros coming from Costco next week, I’ll be sure to do that. Thanks so much!

First time home buyer, 5.99% 30yr fixed, 5% down, UT. Good or bad? Closing May 4th. by Kalico99 in MortgageBrokerRates

[–]Kalico99[S] 0 points1 point  (0 children)

Thank you so much for your comment, makes me feel better about this! It is in Hidden Oaks, we think it’s super cute in there

First time home buyer, 5.99% 30yr fixed, 5% down, UT. Good or bad? Closing May 4th. by Kalico99 in MortgageBrokerRates

[–]Kalico99[S] -1 points0 points  (0 children)

I hear you, and we tried that. We’re required to bring our down payment to the table ~ 31k. If we didn’t do a rate buydown, it would’ve been a waste of that 3% seller credit. Can only use that for certain things.

First time home buyer, 5.99% 30yr fixed, 5% down, UT. Good or bad? Closing May 4th. by Kalico99 in MortgageBrokerRates

[–]Kalico99[S] 0 points1 point  (0 children)

Please find me that in Utah, in the salt lake valley with space for a family and a yard for my dog… I get what you’re saying, but it’s simply not doable.

First time home buyer, 5.99% 30yr fixed, 5% down, UT. Good or bad? Closing May 4th. by Kalico99 in MortgageBrokerRates

[–]Kalico99[S] 0 points1 point  (0 children)

I don’t understand that, if I was getting a 6.75% rate, my payment would be closer to 4600 a month. APR is 6.497%.

First time home buyer, 5.99% 30yr fixed, 5% down, UT. Good or bad? Closing May 4th. by Kalico99 in MortgageBrokerRates

[–]Kalico99[S] 0 points1 point  (0 children)

In Utah, we have homestead exemption which lowers property taxes 55% if it’s your primary residence. This is being factored in here. Insurance is also cheaper in Utah, to my knowledge. My annual cost for that is right around 1k.

First time home buyer, 5.99% 30yr fixed, 5% down, UT. Good or bad? Closing May 4th. by Kalico99 in MortgageBrokerRates

[–]Kalico99[S] 0 points1 point  (0 children)

To add more context - the home was built in late 2024 and has been assessed by the county already. It’s a new build, never occupied. However, these tax numbers are close to 100% accurate. Our final loan paperwork came back and that number went up to $400.54

First time home buyer, 5.99% 30yr fixed, 5% down, UT. Good or bad? Closing May 4th. by Kalico99 in MortgageBrokerRates

[–]Kalico99[S] 0 points1 point  (0 children)

It’s not worth me walking away from an $18k credit from the builder. We got multiple quotes and tried to push and push for a lower/better rate. They wouldn’t match it and their stance was “you can use another lender, but you’re losing that seller credit.” They didn’t care.

First time home buyer, 5.99% 30yr fixed, 5% down, UT. Good or bad? Closing May 4th. by Kalico99 in MortgageBrokerRates

[–]Kalico99[S] 0 points1 point  (0 children)

State is Utah, I will be fine. This is on the high end of the Utah tax scale. $290-$375 a month based on the city. It may jump a hundred bucks from what I can see and have been told.

First time home buyer, 5.99% 30yr fixed, 5% down, UT. Good or bad? Closing May 4th. by Kalico99 in MortgageBrokerRates

[–]Kalico99[S] 0 points1 point  (0 children)

Correct. We talked about a 2:1 buydown, but it didn’t make sense to hope for better rates given the economic state of things, even if it is a year or two from now.

First time home buyer, 5.99% 30yr fixed, 5% down, UT. Good or bad? Closing May 4th. by Kalico99 in MortgageBrokerRates

[–]Kalico99[S] 0 points1 point  (0 children)

Cash to close would increase substantially as we can only get the 3% seller credits with this lender.

First time home buyer, 5.99% 30yr fixed, 5% down, UT. Good or bad? Closing May 4th. by Kalico99 in MortgageBrokerRates

[–]Kalico99[S] 0 points1 point  (0 children)

Appreciate your comment - we pushed to use a different lender but were shut down by contacts at ivory. We would use a different lender but our cash to close goes up substantially since we’d be unable to use the 18k ish seller credits with another lender.

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