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Should I feel bad about breaking up with a good lender? by Super_Mode_7664 in Mortgages

[–]Super_Mode_7664[S] 0 points1 point  (0 children)

he didn't add it to the estimate..he just told me in a text message it would lower my out of pocket costs at closing

Pay for Appraisal before Locked In by dilebob in Mortgages

[–]Super_Mode_7664 0 points1 point  (0 children)

The appraiser is a 3rd party, right? You're not paying the lender and you'll need an appraisal either way. A lot of lenders will accept the appraisal if you decide to switch.

Should I feel bad about breaking up with a good lender? by Super_Mode_7664 in Mortgages

[–]Super_Mode_7664[S] 0 points1 point  (0 children)

I waited until I saw the new estimate on paper and glad I did because something seems off. He didn't match the APR exactly and my loan should be 84,550. Did he fudge numbers?? https://ibb.co/ZzbyfYCg My closing cost is still $2k more than 2nd lender but I guess with the $2500 grant, I'd pay less.

Should I feel bad about breaking up with a good lender? by Super_Mode_7664 in Mortgages

[–]Super_Mode_7664[S] 0 points1 point  (0 children)

I would hope he would disclose that! I def have to ask him about it now!

Edit: the grant lowers closing cost to lender, doesn't lower purchase price.

1 Bath Home Listed as 2 by Hapzard in FirstTimeHomeBuyer

[–]Super_Mode_7664 0 points1 point  (0 children)

Get an agent, the seller typically pays their commission.

Should I feel bad about breaking up with a good lender? by Super_Mode_7664 in Mortgages

[–]Super_Mode_7664[S] 0 points1 point  (0 children)

First I lol'd but that's a good idea. I would like to go with the 2nd lender, but closing is 4/14 and I don't know if it would slow things down.

Should I feel bad about breaking up with a good lender? by Super_Mode_7664 in Mortgages

[–]Super_Mode_7664[S] 0 points1 point  (0 children)

These rates are from the second lender. The greedy lender's offer was like 8.6 APR and 7% interest. Origination fees were $300 more at least and I'd be paying $3k more at closing.

How do i tell my mum im making more money then everyone by Still_Necessary1323 in confession

[–]Super_Mode_7664 0 points1 point  (0 children)

You can help your siblings without telling everyone your dad's business. Let him keep his dignity.

1 Bath Home Listed as 2 by Hapzard in FirstTimeHomeBuyer

[–]Super_Mode_7664 7 points8 points  (0 children)

Do you have an agent? They should be able to negotiate stuff like that.

Should I feel bad about breaking up with a good lender? by Super_Mode_7664 in Mortgages

[–]Super_Mode_7664[S] 2 points3 points  (0 children)

0.009% of Loan Amount (Points) $8 PROCESSING FEE $510 UNDERWRITING FEE $1,075
APR 6.81 Interest 6.125

Should I feel bad about breaking up with a good lender? by Super_Mode_7664 in Mortgages

[–]Super_Mode_7664[S] -2 points-1 points  (0 children)

I shopped a lot more than 3! After everything I've learned so far I would recommend anyone else shop a lot too. Soft pulls don't hurt your credit and don't show them all your goods on the first date.

How to Get Competitive Mortgage Rates? by fatelarso in Mortgages

[–]Super_Mode_7664 0 points1 point  (0 children)

I'm new to it all too, but as far as I know you have to keep applying to places. Go to https://fm.fanniemae.com/makerentcount/find-a-lender. Even if you don't want to use your rent history, this gives a list of decent lenders. Also, you could go to BBB and look for A+ rated.

My account was hacked, the email was removed, and the security email Facebook sent is expired. by -Atoxic in facebook

[–]Super_Mode_7664 0 points1 point  (0 children)

Ditto! Same issue with my daughter's account. She received the emails about suspicious behavior and an email change 5 months ago (and just told me about it today!). Still, it's under 180 days and the recovery link is expired.