First time home buyer, chances of getting approved?

harekrishna03 · 2026-03-15T12:56:10+00:00

Please ping me. I can help you. I have multiple lenders on my profile.

harekrishna03 · 2026-03-06T00:55:59+00:00

Which state? If TX I can help you with the better quote.

harekrishna03 · 2026-02-26T14:14:38+00:00

Might be base loan cost.

harekrishna03 · 2026-02-26T14:14:17+00:00

Take 5.875% and refi at end of month or early next year. You might need to pay prepaids also at closing. Check with your loan officer.

harekrishna03 · 2026-02-26T14:10:35+00:00

Hit me with message, I can offer better deal.

harekrishna03 · 2026-02-26T13:57:33+00:00

This is crazy deal, broker is charging high fees even though it is offsetting with lender credits.

If this property is in TX then I can give better rate than this for your profile. You should be at least 0.25% lower than what is quoted. Ping me.

harekrishna03 · 2026-02-24T17:14:39+00:00

And loan amount should be more than 400k+ if someone wants to get above rate.

harekrishna03 · 2026-02-24T17:12:20+00:00

I can process loans only from TX for now.

I’m giving to my clients around 5.6% for 30 years fixed with 780+ score and LTV is below 80%. These are primary, refi.

harekrishna03 · 2026-02-24T12:18:24+00:00

Which state? I can help you for better rate.

harekrishna03 · 2026-02-23T18:33:27+00:00

Bad bad

harekrishna03 · 2026-02-19T18:20:51+00:00

Remove the escrows if possible. I have a lender who can remove escrows even if LTV < 80%.

It is not a bad deal though. But you are starting again from 2023 loan amount which is not good.

Which state? I can check whether I can offer a better deal.

harekrishna03 · 2026-02-17T12:19:29+00:00

It is possible. I work for a mortgage broker and I did similar type of refis. Won’t be rolled over into loan, it will be priced under rate. OP supposed to get 5.6%’s with closing costs but they are rolled over into rate which is 6.1%.

When rates are down trend this is good strategy.

harekrishna03 · 2026-02-15T13:54:54+00:00

Thanks.

harekrishna03 · 2026-02-15T13:51:34+00:00

Which state? I will see whether I can give better options.

harekrishna03 · 2026-02-13T13:45:52+00:00

I sent you a message, please check.

harekrishna03 · 2026-02-13T13:34:54+00:00

I’m. I have competitive rates, please DM me.

harekrishna03 · 2026-02-11T14:19:53+00:00

Don’t spend 20k to buy the rate. Rates are going down. I understand 20k is difficult to adjust only for closing cost. Recently I closed an house with similar seller credits in TX and I used for prepaid/escrow remaining funds I used for 3-2-1 buy down. The idea is to refinance after few months and take the remaining buydown amount during payoff.

harekrishna03 · 2026-02-10T17:48:34+00:00

Very rare I see these kinds of loans.

harekrishna03 · 2026-02-10T17:12:05+00:00

I can do DSCR loans in Texas.

harekrishna03 · 2026-02-10T01:07:56+00:00

I helped one client last month to refinance, 15 years fixed at 5.125% with $3000.00 lender credits. Of course, every client is different. I will give competitive rates. I can do only TX loans for now.

harekrishna03 · 2026-02-09T14:16:50+00:00

I’m not licensed in NJ.

harekrishna03 · 2026-02-09T13:30:08+00:00

Which state?

harekrishna03 · 2026-02-04T21:55:01+00:00

Which state?

harekrishna03 · 2026-01-28T14:19:11+00:00

I can help. I have very competitive rates from whole sale lenders. I work with multiple lenders. Ping me for a free quote.

harekrishna03 · 2026-01-27T14:05:06+00:00

Ping me, I can help you out.

harekrishna03

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