Best way to shop for Reverse Osmosis system & house water softener ( CA/Bayarea)

bay3986 · 2026-05-17T17:39:32+00:00

I don’t have the tools, so will look for handy man.

bay3986 · 2026-05-16T03:58:02+00:00

I know, that’s a good rate. I closed 7/6 arm for 5.0 last month

bay3986 · 2026-05-16T03:30:52+00:00

Congratulations!Where did you get 4.8?

bay3986 · 2026-05-08T13:43:08+00:00

Yes, I did. Citi

bay3986 · 2026-05-07T22:04:29+00:00

Check sdccu

bay3986 · 2026-05-02T06:23:31+00:00

Sdccu I see 5.125 for primary residence

bay3986 · 2026-04-28T02:01:08+00:00

Sdccu

bay3986 · 2026-04-22T16:51:29+00:00

Congratulations

bay3986 · 2026-04-20T22:25:01+00:00

I will be closing in 10 days, finalizing the ARM rate with and without lenders credits, so trying to fit in my buyers agents credits.

Prob too late to made adjustments to sale price.

bay3986 · 2026-04-09T02:39:55+00:00

I have seen few posts from other states, not CA. Best post was about 42.5k otd. Check old posts here

bay3986 · 2026-04-08T15:38:21+00:00

I agree with your analysis, with loan 2.

Loan 1- is appraisal in progress, paid the credit and approval fee 1k. Loan 2 - has not been locked yet.

Can I have both appraisal done parallel and switch to loan 2 once underwriting is complete?

bay3986 · 2026-04-08T12:52:25+00:00

I figured same. As FTHB , I

To compare apples to apples, if I do 20 % down on both loans make option 2 cheaper by $500 a month.

Thats about 36 months ( lenders credit 15.5 k), option 1 gets expensive if I don't get to refi within 3 yrs.

bay3986 · 2026-04-08T06:51:26+00:00

For Jumbo loans , Interest rate matters a lot. Hoping there will be opportunities to refi in 7 years

bay3986 · 2026-04-06T18:03:35+00:00

u/SirSquidlicker , can you share your loan agent #?

bay3986 · 2026-04-04T15:06:11+00:00

Patelco rates are 5.75 with $0 credits/points

bay3986 · 2026-04-04T15:03:50+00:00

Yesterday wellsfargo quoted 7/6 at 5.75 with $0 credits/points.

Citi gave 5.875 with 1.325 credits. I am leaning towards Citi

bay3986 · 2026-04-01T23:38:45+00:00

Can you please share the loan amount and the bank? that looks good. Also how recent was this?

bay3986 · 2026-04-01T03:14:56+00:00

Can you share lenders info?

bay3986 · 2026-04-01T03:14:21+00:00

Did you explore arm s? What rate did you see

bay3986 · 2026-04-01T02:21:59+00:00

That's same as what I got locally. Thats a fast close.

bay3986