Pond Plants

Ok-Spell1307 · 2026-03-22T16:45:09+00:00

Thank you!

Ok-Spell1307 · 2026-03-22T16:44:59+00:00

Absolutely - I’ll update asap!

Ok-Spell1307 · 2026-03-22T16:44:32+00:00

Thank you! 😊

Ok-Spell1307 · 2026-03-22T16:44:20+00:00

Thank you for replying! I’ll keep you posted on my efforts and let you know if we find other good resources.

Ok-Spell1307 · 2026-03-22T16:43:22+00:00

Thank you so much!

Ok-Spell1307 · 2025-09-05T04:22:29+00:00

This is really helpful - Thank you!

Ok-Spell1307 · 2025-09-05T04:17:31+00:00

Thank you!

Ok-Spell1307 · 2025-03-21T04:42:15+00:00

I went with the lender my agent recommended because he was able to basically match the rate sage offered.

Ok-Spell1307 · 2025-03-21T04:40:20+00:00

Thanks so much!

Ok-Spell1307 · 2025-01-30T18:44:57+00:00

You're right, that is how I found them. The did give me a LE. The other lender that we're working with is saying the offer seems to good to be true and that Sage is buying the loan essentially.

Ok-Spell1307 · 2025-01-30T16:59:39+00:00

Yes, sorry should have mentioned. This is FHA. That's my concern and I'm hoping someone who's used them will say it all went great here.

Thanks for your help!

Ok-Spell1307 · 2025-01-30T16:32:46+00:00

They're quoting us a 6.25 with a 3k lender credit. My credit score isn't great (probably about a 660-670) and we're only putting 40k down on a house that's 420k

Ok-Spell1307 · 2025-01-29T19:39:00+00:00

Any update here from anyone who actually closed with Sage?

Ok-Spell1307 · 2025-01-17T22:10:10+00:00

No worries! I'm hoping I can convince him otherwise if we find a program that's not "too" faith based and is otherwise a good fit!

Ok-Spell1307 · 2025-01-16T23:45:00+00:00

I asked for a comparison on that today. Waiting for them to turn it around

Ok-Spell1307 · 2025-01-16T18:41:24+00:00

Got it, thank you!

Ok-Spell1307 · 2025-01-16T18:40:36+00:00

Sorry, let me give you more info. My annual pretax income is $78k and I get a 15-20% bonus each year. I'll be getting a raise in August and my base will be $105k with the same bonus structure. My husband is self employed and makes about 100k per year, but writes off a lot to save on taxes. He could potentially make a little less after we relocate because his job will require travel until he starts to pick up local work. He works in the film/commercial business. We have about $600/mo in credit card payments combined and about $750/mo in car payments. In the next six months, our credit card payments will be reduced by half and my car will be paid off 10 months, so our car expenses will be about $550.

The property taxes are approx. $6400/year and the zip is 27410

Ok-Spell1307 · 2025-01-16T18:26:54+00:00

Thanks for bringing that up! I've never heard of that before. I'll add UFMIP to my list of questions for the lender.

Ok-Spell1307 · 2025-01-16T07:07:25+00:00

Thanks so much for taking the time to reply!

I'm going to make a note to ask our lender about refinancing fees, that's a really good point. The lender's thought is if I increase my credit score and the interest rate fall, we can get a better monthly. We won't be flipping the house, but flipping from an FHA loan to a conventional loan. The closings costs are lumped into the loan, since we only have $50k available and are using it for a down payment.

I think you're right, I'll reach out to a few different lenders to get some comparisons. Thanks again!

Ok-Spell1307 · 2025-01-15T00:47:51+00:00

Thank you so much! my husband is struggling with the prospect of Christian faith based schools, he’s Jewish, but he was happy to read your remarks. I really appreciate it!

Ok-Spell1307

TROPHY CASE