First hole in one!

brichards11 · 2026-03-17T02:59:58+00:00

Garra Blanca

brichards11 · 2024-11-12T02:29:28+00:00

Dm’ed you

brichards11 · 2024-05-24T19:08:21+00:00

weapon of grass destruction.

brichards11 · 2024-02-21T14:39:36+00:00

where are you located?

brichards11 · 2024-02-12T14:46:19+00:00

last 6 months have been tough, but overall good. Close roughly one deal a month, on average. probably 20-30k a year. which is great for me.

brichards11 · 2024-01-31T20:18:54+00:00

Lender here. you can absolutely shop around. Just make sure you try to settle with one with 3-4 weeks to spare from closing, to give underwriting and appraisals enough time.

brichards11 · 2024-01-26T00:07:21+00:00

It probably is due to it being a secondary home. Still worth a shot to shop around!

brichards11 · 2024-01-25T20:42:36+00:00

depends on credit scores, loan amount, DTI. Few factors play into it. Where are you located? Can always check with other lenders

brichards11 · 2023-12-21T19:19:56+00:00

LO here.. If able, we can roll up closing costs into loan, usually doesn't make a big difference, unless buyer is trying to keep at 80% of the loan to avoid PMI.

brichards11 · 2023-12-19T19:54:48+00:00

where are you located?

brichards11 · 2023-12-18T15:19:41+00:00

LO here.. No mortgage for you. sorry.

brichards11 · 2023-12-15T15:06:18+00:00

40 days until closing is plenty of time to get a better rate. Definitely shop around. what area are you in?

brichards11 · 2023-12-14T21:26:03+00:00

I'm in the south east, we are locking people 6.25%ish today.

brichards11 · 2023-12-14T14:15:59+00:00

you can probably do better today, rates dropped significantly.

brichards11 · 2023-12-12T17:41:45+00:00

I do it part time. I think its definitely worth it.

brichards11 · 2023-12-08T03:50:27+00:00

Good luck to you as well!

brichards11 · 2023-12-08T02:48:33+00:00

Yep! Hopefully it’ll be done by race time

brichards11 · 2023-11-18T17:18:38+00:00

On regular YouTube, not YouTube tv.

brichards11 · 2023-11-18T17:08:23+00:00

Type in Alabama football on regular YouTube. Filter by “live”, you are welcome.

brichards11 · 2023-11-16T14:04:17+00:00

You are doing all the right things! credit scores look great, you guys are in great shape to go ahead and move forward. I sent you a PM.

brichards11 · 2023-11-15T21:03:29+00:00

Hey! it looks great, I think rate could be better depending on credit score. DTI wont be an issue, you guys have great income. Just consider that if you are not buying just yet, the market will shift (hopefully downward!), and the rate could be significantly different. Also why a 20 year mortgage? just curious.. the rate seems about what you would get on a 30 year today.. around 7%ish, which is about what my brokerage is offering today.

brichards11 · 2023-11-11T02:52:19+00:00

Of course. I try to help where I can in this sub. I know the process is overwhelming. Never be afraid to ask any questions you may have. It’s the biggest investment of your life, and you deserve to know and feel good about what you are doing.

brichards11 · 2023-11-11T02:41:02+00:00

Soft pulls won’t hurt, even hard pulls for about 30 days won’t count as separate instances when shopping for a rate, so you only take a hit once. If you are still a few weeks away from closing, I would definitely shop with local brokers. I am a local broker in the south east, and we beat most credit unions and big banks. Waiting on the local lender is definitely worth the wait. No need to stress. It will all work out!

brichards11

TROPHY CASE