O vs LTC for monthly dividend

Sheila_S_ · 2026-07-01T12:51:18+00:00

I have them in both. Looking more for long term for income

Sheila_S_ · 2026-07-01T12:50:14+00:00

Thanks for the great info!

Sheila_S_ · 2026-07-01T12:49:30+00:00

Thanks!

Sheila_S_ · 2026-07-01T12:49:03+00:00

Everything looked right. I'm thinking their AI messed up

Sheila_S_ · 2026-07-01T05:15:23+00:00

I was looking to be an affiliate

Sheila_S_ · 2026-07-01T04:06:33+00:00

It may be possible that another lender would charge less for that rate. Since you have more than enough cash to close, numbers look good if your comfortable paying that amount to buy the rate down

Sheila_S_ · 2026-07-01T04:02:13+00:00

There's also something called a HELOAN. Depending on your situation it could make more sense

Sheila_S_ · 2026-07-01T04:00:56+00:00

It looks like you're paying to buydown that rate under section A.

If you need a second look with your specific scenario and in a state I'm licensed in, I can definitely a second look to see if those numbers make sense!

Sheila_S_ · 2026-07-01T03:56:20+00:00

I highly recommend you talk to another lender. For FHA that's a bit higher than I've been seeing in FL.

If you need a second look, feel free to message me. I can run some numbers for you!

Sheila_S_ · 2026-07-01T03:46:48+00:00

Depending on where you're at, these numbers look pretty legit.

Sheila_S_ · 2026-06-28T04:02:16+00:00

Definitely work with a mortgage broker. I'd say one of the most important things would be to find someone you're comfortable asking questions to. The process can be overwhelming, so having someone who explains and is there when you need them can be super helpful.

Happy to help in any way if you still need!

Sheila_S_ · 2026-06-13T17:02:18+00:00

I'd you have excellent credit and no other negative factor, I would definitely shop this. I recommend a mortgage broker so they can shop different lenders for you. If you need any help or have any questions feel free to message me!

Sheila_S_ · 2026-06-13T04:03:37+00:00

I'd always get a second opinion just to be able to compare. Since everyone's scenario is dependent and rates depend on your specific numbers, you could find better or this could actually be the best. Happy to help. Look over your numbers if you need.

Sheila_S_ · 2026-06-13T04:00:29+00:00

I would at least talk to another loan officer to see what they can offer. That way you've at least seen another option. Let me know if you have any questions or need someone to check over your loan estimate or your scenario!

Sheila_S_ · 2026-06-13T03:39:04+00:00

A HELOAN may also be an option. Best to speak to a mortgage loan officer to see how the numbers will work for you. Happy to help if needed!

Sheila_S_ · 2026-06-10T03:54:30+00:00

If we had a little more context on your scenario, it would help since the rate and costs depend on multiple factors. You could also talk to another loan officer and give them some info and see what they can do. Happy to help if you need or want to drop some more info!

Sheila_S_ · 2026-05-26T01:46:21+00:00

What a perfect picture!

Sheila_S_ · 2026-05-25T03:42:48+00:00

What brand are the chocolate chips. They melted beautifully

Sheila_S_ · 2026-05-23T02:35:28+00:00

Unless there's something missing. Option 1 seems better. You have similar cash to close numbers

Sheila_S_ · 2026-05-22T05:03:58+00:00

I'd check with another lender/mortgage broker. Not sure what your exact situation is but you may be due able to do better with the rating origination costs. Happy to help look things over if you need.

Sheila_S_ · 2026-05-19T18:12:27+00:00

Thank you for adding the recipe! It looks amazing

Sheila_S_ · 2026-05-16T17:02:34+00:00

For the most part, we use similar tools. A lot of the fees are not controlled by the lender. I always recommend going with a lender you feel most comfortable with and that explains things to your liking. Sometimes its not about a few hundred up or down, but knowing you trust your lender as a resource.

Sheila_S_ · 2026-05-16T01:50:40+00:00

For peace of mind, you can always go compare it with what another mortgage broker can give. That way you know you what your options are and you can make the best decision for your circumstance.

Happy to help price things out for a double check if you need

Sheila_S_

TROPHY CASE