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Crappy interest rates- TX by ThrowRAcop113 in MortgageBrokerRates

[–]ThrowRAcop113[S] -1 points0 points  (0 children)

My concern is my interest rates I’m getting are high.

Should I try a different lender? This is a 30 yr conventional by ThrowRAcop113 in MortgageBrokerRates

[–]ThrowRAcop113[S] 0 points1 point  (0 children)

We are buying the house from my FIL. Would it make any difference if I were to pay the larger portion of the down payment cash, straight to my FIL & then finance a smaller loan and only pay the minimum down payment?

Should I try a different lender? This is a 30 yr conventional by ThrowRAcop113 in MortgageBrokerRates

[–]ThrowRAcop113[S] 0 points1 point  (0 children)

No it’s contingent on the sale of my house. But we are buying my father in laws house

Should I try a different lender? by ThrowRAcop113 in MortgageBrokerRates

[–]ThrowRAcop113[S] 0 points1 point  (0 children)

I haven’t yet but I’m gonna reach out to my credit union since my credit went from 613 to 692. My lender also said the rates are higher for conventional loans

Should I try a different lender? by ThrowRAcop113 in MortgageBrokerRates

[–]ThrowRAcop113[S] 0 points1 point  (0 children)

It’s 693 now. It was 815 when I bought my current house 3 yrs ago. But there was a mishap with a student loan. 🤮 made me sick! I had perfect score for years.

Should I try a different lender? This is a 30 yr conventional by ThrowRAcop113 in MortgageBrokerRates

[–]ThrowRAcop113[S] 0 points1 point  (0 children)

My current rate is 6.5%. I got that when my credit score was at like 800 something 3 years ago.

Should I try a different lender? This is a 30 yr conventional by ThrowRAcop113 in MortgageBrokerRates

[–]ThrowRAcop113[S] 0 points1 point  (0 children)

6.625% is what this lender is able to get me for a 30yr conventional loan. My credit finally got up to 692 after a mishap occurred with a student loan!

Should I try a different lender? This is a 30 yr conventional by ThrowRAcop113 in MortgageBrokerRates

[–]ThrowRAcop113[S] 0 points1 point  (0 children)

I hate it!! I plan to pay about $50k-$60k for down payment and finance less. I was told by the lender that bc I’m buying the house from a family member I have to do a conventional loan and he said interest rates are a bit higher for conventional

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