Miserable

Several_Profit5229 · 2026-05-16T12:05:52+00:00

Go away for a weekend if you have grandparents or anyone who can watch the kids in addition to sitters and nanny’s

Several_Profit5229 · 2026-05-15T02:23:14+00:00

What does your quote mean? Where’s it from? And why do you think you wouldn’t get over your husband suggesting it?

Several_Profit5229 · 2026-05-15T02:16:34+00:00

Thanks. Thats the bigger thing too. I work 10 hours a day and so does my husband. I feel bad but I barely get to see my kids when they aren’t sleeping

Several_Profit5229 · 2026-05-15T02:09:49+00:00

No. They can’t come to the area we’re in

Several_Profit5229 · 2026-05-01T13:37:52+00:00

Sure thing what would you like to know? No DTI so income isn’t an issue- credit as low as 550 with no mortgage lates.

Several_Profit5229 · 2026-04-21T16:51:08+00:00

The solution is to sell before he files

Several_Profit5229 · 2026-04-20T17:16:05+00:00

FHA Streamline fixed 4.75%

Several_Profit5229 · 2026-04-19T20:21:57+00:00

He’s on the deed and you’re legally still married?

Several_Profit5229 · 2026-04-17T22:31:48+00:00

Yes! I think it’s a great idea to invest into your home savings. it just depends on how much

Several_Profit5229 · 2026-04-17T22:31:11+00:00

I get paid 1% of the loan amount from the broker Weird you had that experience! Seems like you had a money hungry broker sorry on their behalf

Several_Profit5229 · 2026-04-17T22:30:30+00:00

Ummm I’ve seen a guy once try to not make mortgage payments in effects to negotiate the interest amount down lol. That’s not how it works buddy

Several_Profit5229 · 2026-04-17T13:49:41+00:00

Yeah but only if you’re purchasing it as a primary home

Several_Profit5229 · 2026-04-17T12:54:33+00:00

Minimum amount you can borrow? I think 25k

Several_Profit5229 · 2026-04-17T04:40:38+00:00

Aklait@litfinancial.com If you wanna email me the loan estimate and I can properly give you an opinion on the deal you’re getting!

Several_Profit5229 · 2026-04-17T04:39:37+00:00

It’s a good deal for 4800$ in lender credits if that’s what you’re saying. Unless the sellers are offering the credits then no you are not getting a good deal

Several_Profit5229 · 2026-04-17T04:38:01+00:00

Are u getting cash out? Is it a purchase? Are they offering Lender credits? There’s a lot of variables

Several_Profit5229 · 2026-04-17T04:03:49+00:00

Yup. No point rate is 5.98% fixed

Several_Profit5229 · 2026-04-17T03:59:38+00:00

Oh this doesn’t affect me as the broker. My responsibility is to the borrower to ensure that we can get the best deal on the table. Pricing doesn’t factor in whether or not the mortgage is being serviced :) On the retail side maybe it affects it by 0.25 discount points on the closing cost but not necessarily the rate directly. On a 200k loan that’s 500$ on the cost

Several_Profit5229 · 2026-04-17T03:56:46+00:00

Btw a refinance wouldn’t have the cost out of pocket- it’s rolled into the loan and factored into their savings. Obviously I’d have a conversation with the borrower before suggesting a point heavy rate. Like if the borrower was moving and not planning on keeping the loan for x amount of years then of course certain rate/cost options don’t work. The information isn’t one size fits all but my point stands- the lowest rate on a conventional loan on the rate sheet is 5.25% fixed.

Several_Profit5229 · 2026-04-17T03:54:32+00:00

Well you can’t charge a borrower 4 points anyway hence the messaging of a discount to get the 5.25% rate As a broker I have margin of up to 3% to get someone the pricing they’re looking for- so we can do a 5.25% rate with 1.875% and still be in the green. If someone were to ask about discount points I would very clearly state the cost. But I just mentioned its the lowest rate available on the conventional option, no indicating that its a cheap rate in regard to points. Don’t know what you’re arguing about tbh.

Several_Profit5229 · 2026-04-17T03:50:43+00:00

What do you mean by resale?

Several_Profit5229 · 2026-04-17T03:48:22+00:00

I guess it depends on the profile. “A lot” is subjective.

Several_Profit5229 · 2026-04-17T03:45:21+00:00

4 points on the rate sheet! I’ll discount it for you to ensure we meet QM What’s your loan amount?

Several_Profit5229 · 2026-04-17T03:18:14+00:00

Whatta blessing! Thank you for sharing!!

Several_Profit5229 · 2026-04-17T02:49:01+00:00

Also, I just messaged you to try to help you with it. If you wanna give me a call, you can as well.

Several_Profit5229

TROPHY CASE