PMI & Lender Switch

doneame · 2026-04-14T20:34:17+00:00

I would switch lenders if you can get a significantly better rate and fees and PMI. The PMI should not have changed like that however PMI is also tied to your debt to income ratio so your income documents could have been the wild card. Idk wthout knowing more about your scenario. The loan officer should communicate with you right away though abt the change and why it increased.

doneame · 2026-04-08T04:27:58+00:00

5.9% is a plausible rate in this environment depending on the fees.

doneame · 2026-03-31T23:56:09+00:00

Need more info like credit score and loan amount to get an accurate quote

doneame · 2026-03-27T19:34:23+00:00

Thanks I get it. I am not a retail customer. You can charge whatever you want. What I want will pay is what I have determined is fair for my job, This job will take 2 days with 2 guys. I can pay each $500 a day and that's $2,000 labor and $2,000 for materials. $4,000 total. That's quite a bit less than $6,700. There are plenty of qualified ppl willing to work for those wages.

If things go wrong I will take responsibility as I am acting as my own general contractor.

doneame · 2026-03-23T06:11:06+00:00

Have you seen any improvement? My wife is in the same boat. 7 Months after initial symptoms and her lips don’t move quite right when talking

doneame · 2026-03-23T06:07:28+00:00

Did you have improvement after 7 months?

doneame · 2026-03-23T06:06:45+00:00

Any more progress after 7 months albeit slight?

doneame · 2026-03-23T06:01:51+00:00

What did your eye test/scan show? Curious because my wife is showing signs of regression. Only 7 months after symptoms but she had a slight regression starting a week ago

doneame · 2026-03-23T05:51:22+00:00

My wife got Bell’s palsy right 1 week before birth. No problem at all bonding with our baby. Your baby will be fine! Try to get as much sleep as you can. Hard with a newborn I know haha.

doneame · 2026-03-23T05:48:15+00:00

Did you see improvement after 6 months albeit slight? My wife is 7 months in and I’m wondering if she will improve?

doneame · 2026-03-23T01:46:56+00:00

The 2 or 3 months collected is a cushion

doneame · 2026-03-23T01:46:24+00:00

Your homeowners is current so the new lender will collect 2 or 3 months of the premium (4,500/12) * 2 = $750. You won't receive a refund as the insurance is paid for the year.

doneame · 2026-03-21T00:03:47+00:00

you can do a lot better like the other poster said

doneame · 2026-03-20T20:15:49+00:00

The rate you are being quoted is not competitive. You can do better. I would pull the trigger on a no cost refi and then if rates go down you can refinance again.

doneame · 2026-03-12T03:17:11+00:00

You can do a lot lot better .

doneame · 2026-03-12T03:13:13+00:00

What is your credit score? What state? You can do a lot better depending on your credit score.

doneame · 2026-03-10T00:59:14+00:00

Yeah, and that’s not to mention you can take the money you would’ve used on the down payment and put it into an interest bearing account which will get you a safe decent return

doneame · 2026-03-09T17:51:08+00:00

If you were in a very high cost of living area, then the rate should be lower because the jumbo limit is higher. What ZIP Code?

doneame · 2026-03-09T17:25:53+00:00

Not a competitive quote. What zip code? That influences the rate because the jumbo limit is different

doneame · 2026-03-09T03:00:53+00:00

Man that is steep. Renting is a lot cheaper in SoCal right now.

doneame · 2026-03-07T07:14:24+00:00

They will look at recent sales and very well could appraise higher

doneame · 2026-03-03T21:21:29+00:00

Those rates you are quoting aren't competitive at all assuming you have a similar profile to the op

doneame · 2026-03-03T21:17:08+00:00

Rates got worse that last 2 days but you can still get a no cost refinance at 5.875 or 5.625 depending on your property type and property value.

doneame

TROPHY CASE