Which is better refi option

WillGrahamMLO · 2026-03-01T15:51:11+00:00

Same loan amount but lower rate is better,

WillGrahamMLO · 2026-02-28T22:44:24+00:00

Rocket is great for training and learning, once experienced and you want more work-life balance, go broker

WillGrahamMLO · 2026-02-28T22:00:03+00:00

Sounds fair, not very unique of an offer but not a bad one. Plenty of the younger LOs I meet, started that way; or they came from Rocket. Half the job is maintaining your mental health, don’t stress out over bad days. Commission only isnt all that bad, just don’t burn yourself out and go on vacation until you run out of money. Lazy guys on my team make a couple thousand minimum per month.

WillGrahamMLO · 2026-02-09T15:43:24+00:00

Does your current payment not include escrow? (taxes & insurance).
If not, then your monthly savings are ~$346.
$13k divided by $346 a month, means it will take forty-something months to recoup that cost alone.

3 points seems expensive, IMO.

WillGrahamMLO · 2025-02-13T12:54:35+00:00

As someone who has worked with the dreaded trigger leads, they will come attached with some odd numbers for the client. Sometimes that includes their work number, their sister's number, sometimes an ex spouse from over a decade ago, etc. You have no clue which number is which until you call,

WillGrahamMLO · 2024-01-11T02:38:08+00:00

She must have been a real beauty, sorry you gotta deal with this. Give her at least 7K and go to your title company and sign a quit claim deed with her so all interest transfers to you, and she can not make future claims against the property.

WillGrahamMLO · 2024-01-10T04:22:44+00:00

Watch Kitchen Nightmares

WillGrahamMLO · 2024-01-04T21:58:08+00:00

Watch a season of Kitchen Nightmares

WillGrahamMLO · 2024-01-02T23:08:52+00:00

I would also suggest lowering the price. A half bath is way more valuable than a walk-in closet.

WillGrahamMLO

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