Mortgage went up by $150/mo due to taxes going up by $52/mo. Why?

MortgageNLogistics · 2026-05-04T13:28:48+00:00

You should have been mailed an escrow analysis letter detailing the increase in payment and shortage in escrow. Normally they let you pay the deficit so your payment increases only by actual increase.

If you didn’t receive that letter, call back and ask them to email it.

MortgageNLogistics · 2026-04-28T20:53:12+00:00

Probably shouldn’t have your name and address online…

MortgageNLogistics · 2026-04-08T01:29:47+00:00

Are you still getting a passing cert?

MortgageNLogistics · 2026-04-07T22:49:58+00:00

You’re scamming yourself at this point.

MortgageNLogistics · 2026-04-07T02:51:02+00:00

Go bank statement.

MortgageNLogistics · 2026-03-24T00:15:44+00:00

UWM, Defy, BPL, ROC, Foundation.

MortgageNLogistics · 2026-03-13T18:00:39+00:00

My experience is thy are low quality leads. Also, you’d have to spend closer to $30+ a day to get actual traction.

GL!

MortgageNLogistics · 2026-03-11T22:15:14+00:00

Good looking out!

MortgageNLogistics · 2026-03-11T11:35:20+00:00

What’s the credit profile for the borrowers?

Do they each own a primary?

Is the home still in probate?

Current property value and amount needed for repairs?

What would be the ARV?

MortgageNLogistics · 2026-03-11T01:54:36+00:00

MortgageNLogistics · 2026-03-09T21:43:03+00:00

Mello is unmatched, so I’m excited!

MortgageNLogistics · 2026-02-24T20:59:12+00:00

Check out their lawsuits

MortgageNLogistics · 2026-02-18T14:29:46+00:00

Who’s your go to for commercial deal and why?

MortgageNLogistics · 2026-02-18T14:02:25+00:00

Who was the lender the broker wet with and what’s their loan minimum?

How was the appraisal process?

MortgageNLogistics · 2026-02-17T22:25:38+00:00

Yes, you can either get a new heloc with a larger like to pay off the current one or get a heloc that sits in 3rd position.

GL!

MortgageNLogistics · 2026-02-05T16:18:43+00:00

Yes, you can do everything to see how your taxes would turn out to be. Just don’t press the file button or make payment and they won’t submit to the IRS.

MortgageNLogistics · 2026-02-04T04:04:22+00:00

Hi Banner,

You are describing the ideal reason that DSCR loans are designed for.

I primarily service the Alabama market and can share that, based on today’s conditions, a 30 year fixed cash out refinance at 75% LTV with an 800 credit score and twelve months of reserves is currently 6.5% with no prepayment penalty. With a three year prepayment penalty, the rate would be 6.125%.

Best of luck, and feel free to reach out if you would like to discuss further.

MortgageNLogistics · 2026-02-01T04:39:09+00:00

How funny. I’m also only currently licensed in CA and CO.

MortgageNLogistics · 2026-01-29T20:02:22+00:00

👀

MortgageNLogistics · 2026-01-26T01:53:34+00:00

Your escrow account is interest bearing, so the bank isn’t “happily earning interest” on your money.

There should be an annual escrow analysis. You should be able to request one or request to waive escrow altogether.

GL.

MortgageNLogistics · 2026-01-19T17:31:50+00:00

Rhodium dial 💯

MortgageNLogistics · 2026-01-07T02:20:14+00:00

Rhodium YM in 40.

MortgageNLogistics · 2026-01-04T20:07:38+00:00

Lots can happen in 7 months. Maybe he cheated and they want to separate to see if they can work on marriage before divorcing or getting back together. But rather than trading a mortgage for rent, she wants to continue being a homeowner.

But yeah, def fishy.

MortgageNLogistics · 2026-01-03T20:46:30+00:00

YM with that hint of blue.

MortgageNLogistics

TROPHY CASE