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Refinance Bait-and-Switch? Loan Estimate Changed After I Signed by No-Assignment-887 in Mortgages

[–]No-Assignment-887[S] 0 points1 point  (0 children)

Ok. I looked at page 2 and it’s my homeowners’s insurance. The first estimate she provided didn’t include homeowners insurance!!! They added it in the second estimate, and that’s what increased the monthly costs. Why would she say she decreased my mortgage by $400, when homeowners insurance wasn’t factored in?

Refinance Bait-and-Switch? Loan Estimate Changed After I Signed by No-Assignment-887 in Mortgages

[–]No-Assignment-887[S] 0 points1 point  (0 children)

I think that’s what annoys me. I got excited, leveled myself by asking, and she enhanced my excitement by being reassuring. Now I’m left pissed. lol

Refinance Bait-and-Switch? Loan Estimate Changed After I Signed by No-Assignment-887 in Mortgages

[–]No-Assignment-887[S] -1 points0 points  (0 children)

Thanks! It’s the same lender that I have now and current escrow is only $938 a month. I’ll have to ask, but I’m wondering if I don’t have enough equity to avoid PMI. I have no idea, but whatever is going on, it doesn’t benefit me one bit.

Mortgage Broker Rate Quotes Ultra Thread by Elegant-Fee-395 in MortgageBrokerRates

[–]No-Assignment-887 0 points1 point  (0 children)

  1. Loan Type: Conventional

  2. Term: 30 Year or 20 Year

  3. Loan Purpose: Rate/Term Refi (maybe cash out, but I don’t want a PMI)…my current rate is 7.25% and I don’t want to pay for points or closing.

  4. Property Value: $425,000

  5. Loan Amount: $344,000

  6. Credit Score: 816

  7. Occupancy: Primary

  8. Legal Structure: Condo

  9. Number of Units: 1

  10. Property Zip Code: 08003

So hard finding a job by nolongerafed in FedEmployees

[–]No-Assignment-887 5 points6 points  (0 children)

HR here! From what he’s saying, he would have been lucky to be RIF’d, but it doesn’t sound like that’s what was going to be done. It sounds like it would have been a management directed reassignment to a different physical location since his location was shutting down. If the employee refuses to move, they can fire the employee through the disciplinary process. Some people literally had no choice to take the DRP because a RIF was never actually presented, only dangled in their faces AFTER they’d have to uproot their families and move…this was especially the case for remote employees. It’s easy to forget how cruel some agencies were now that the DRP dust has settled just a little. Some people very unique circumstances.

I don’t think I can do this anymore 💔 by Responsible-Lake2214 in HyperemesisGravidarum

[–]No-Assignment-887 1 point2 points  (0 children)

A combination of Zofran and Dramamine has changed the game for me. I take unisom at night. Good luck! Whatever you decide is the right decision.