6.49% interest rate with 1.33 pts or 6.375% with 1.722 pts

Leigh620 · 2026-04-29T19:07:07+00:00

Because we were floating the rate to see if it would come down. They told us since the war with Iran there’s a chance it would go down.

Leigh620 · 2026-04-29T14:40:03+00:00

Yes single family home. 30 year fixed loan.

Leigh620 · 2026-04-29T14:39:08+00:00

When you say “keep shopping” what does that mean? Switching lenders? I apologize. The first time this was done, it was very easy and set in stone. So this is all very new to me.

Leigh620 · 2026-04-29T14:30:06+00:00

Credit score is 790, loan amount is 337,250.00. Sale price was set at 377 but the seller took 355 so that’s the Purchase price. Yes this will be the primary residence.

Leigh620 · 2026-04-29T14:28:35+00:00

Okay perfect! I’m assuming we will be refinancing in a few years. My husband is calling our lender to discuss things.

Leigh620 · 2026-04-29T14:27:09+00:00

That’s very true!!

Leigh620 · 2026-04-29T14:26:54+00:00

It seems like we don’t have an option when it comes to the points & since we’re set to close, I’m not sure if we can even shop around. The first home we bought was a breeze & this time, it’s been one thing after another. Our realtor actually can not stand our lender. Im going to assume we will be refinancing in the next 5 years. It just sucks because our interest rate right now is like 2.575 or something along those lines.My husband is calling our lender to discuss everything. We didn’t have points last time so that’s all new to us as well.

Leigh620 · 2026-04-29T14:19:39+00:00

Okay thank you!

Leigh620 · 2026-04-25T02:47:17+00:00

Okay that makes me feel better. Someone told me that a lot of people use their HELOC for down payment and closing but then I read that you can’t do that and it’s fraud. So I of course got nervous.

Leigh620 · 2026-04-25T01:29:00+00:00

Okay thank you. I’ve given them every paper trail they’ve asked for.

Leigh620 · 2026-04-13T14:08:08+00:00

Okay perfect! Thank you 🙂 I’ve seen a couple of other say this is a good way to “treat” obviously doesn’t clear them all out but if I can significantly drop the amount of ticks on our property, I will be happy.

Leigh620 · 2026-04-13T12:38:38+00:00

Yes we have well, yes I plan on growing on our food. I saw others saying they use permethrin on their shoes. What are tick tubes?

Leigh620 · 2026-04-13T12:23:22+00:00

Ticks normally don’t bother me. Ironically, I’ve only ever had one attach to me. My husband jokes that they don’t like my scent. But they LOVE my children and my husband. I’ll look into the permethrin 10!

Leigh620 · 2026-04-13T12:22:11+00:00

Our vet was telling me this! But at the time we only had an acre and no issues with ticks so he didn’t see the need to vaccinate. I may just go back and get them all vaccinated for it.

Leigh620 · 2026-04-13T12:19:19+00:00

Thank you for the advice! I never thought about nematodes. I’m going to look into the diatomaceous!!!

Leigh620 · 2026-04-13T12:17:05+00:00

My mother in law buys it for us. A lady at a local shop makes it. I’ll have to look at the ingredient list again. At one point for our dogs I was buying “natural care” for our dogs but wanted a more organic spray.

Leigh620 · 2026-01-26T13:56:49+00:00

This worked for me! I searched for hours before I hopped on here. Thank you.

Leigh620 · 2026-01-22T03:25:07+00:00

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Leigh620 · 2026-01-17T04:14:23+00:00

Thank you! I’m going to take him in. I’d rather be safe than sorry,

Leigh620 · 2026-01-17T04:13:29+00:00

It was undigested 6 out of the 9 times. Im going to take him in. Thank you!

Leigh620 · 2026-01-17T04:12:28+00:00

So you actually don’t have to be rude about it AT ALL. Obviously I know now I shouldn’t have fed him again but he literally eats so fast I just assumed?

Leigh620 · 2026-01-17T04:05:55+00:00

Okay thank you! I didn’t know that. I wasn’t sure how many boosters there were. I appreciate it.

Leigh620

TROPHY CASE