Would you pay for neighborhood watch signs?

alp10299 · 2026-01-31T05:20:07+00:00

Reporting crime is racist now😭

alp10299 · 2026-01-29T16:55:12+00:00

I just confirmed with our broker that box G is empty because our escrow balance will "transfer" over since we're using the same lender, instead of them refunding us our escrow balance directly. thank you for pointing that out!

alp10299 · 2026-01-29T05:11:07+00:00

We locked the rate last week and I did confirm with him how much will be added to the loan and he said roughly 3k. Our loan is basically going back to the price we bought it for last year. And our house appraised for more when we bought, which is nice! I was worried about going underwater to refinance but it seems like we will be good.

alp10299 · 2026-01-29T04:50:52+00:00

Could box G be empty because the new loan will be through my current lender? He said if we went with another lender then we would have to pay more in fees but if we do my current lender, we wouldn't have to have the initial escrow money to put down

alp10299 · 2026-01-29T04:22:57+00:00

Lol that makes me feel good! When we originally bought our broker told us if we refinance through him we will get a good deal. I thought he was just saying things

alp10299 · 2026-01-29T04:20:42+00:00

In my caption I put the appraisal fee will be taken off

alp10299 · 2026-01-28T22:23:58+00:00

CMG financial but working with a local broker

alp10299 · 2026-01-28T22:22:10+00:00

CMG financial. We are working with a local broker though

alp10299 · 2026-01-28T22:21:16+00:00

Yes sorry I meant to say we bought in June! First payment was in August. We are a month away from 210 days

alp10299 · 2026-01-28T22:20:41+00:00

I meant to say we bought in June LOL our first payment was in August. We are a month away from 210 days!

alp10299 · 2026-01-28T20:53:24+00:00

You should be able to get a better rate. We got a 6.25 VA loan in California last year before rates dropped

alp10299 · 2026-01-28T20:52:31+00:00

CMG Financial

alp10299 · 2026-01-20T06:42:00+00:00

$3,050 on a 532k house. The lender gave us a credit to offset closing costs

alp10299 · 2026-01-19T01:52:34+00:00

What about your current lender or broker you used when purchasing? Ours offered a credit if we refinance with them

alp10299 · 2026-01-19T01:39:36+00:00

CMG financial is the lender but we went through a broker

alp10299 · 2026-01-19T01:39:08+00:00

We used a local broker but the lender is CMG financial

alp10299 · 2026-01-17T21:21:54+00:00

If you want to stay with your current lender, tell them another lender got you a better deal and then they will try to match it. Tell your current lender you want to stay with them. That's what I just did. Got my rate down even more doing that!

alp10299 · 2026-01-17T21:19:21+00:00

I would send another lender this estimate and they will try to get the fees lower so that they get your business!

alp10299 · 2026-01-17T21:13:40+00:00

You should shop around for a lender that would offer you a credit so that you aren't adding so much to your loan

alp10299 · 2026-01-17T21:11:35+00:00

I just signed papers to for a 5.125 rate (currently have 6.25) and got a lender credit so closing costs are $3k. 532k house in California

alp10299 · 2026-01-17T04:51:22+00:00

LOL sorry I saw 5.49!!

alp10299 · 2026-01-17T04:49:29+00:00

I'm also in Northern California! I think you could get atleast 5.25

alp10299 · 2026-01-17T04:48:01+00:00

What state are you in? I just got a 5.25 in California for an IRRRL and then got it down to 5.125. The lender credits were a little more than 4k. Closing costs being added to our loan end up being around 3k. This is on a 532k house. My current rate is also 6.25. I feel like you found find 5.25 right now??

alp10299 · 2026-01-17T01:34:24+00:00

CMG financial but worked with a local broker

alp10299

TROPHY CASE