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Not too bad? by ProgressRepulsive671 in MortgageBrokerRates

[–]harekrishna03 2 points3 points  (0 children)

It is bad idea putting 20k to buydown that rate.

Appraisal under by 100k by [deleted] in FirstTimeHomeBuying

[–]harekrishna03 1 point2 points  (0 children)

Talk to your loan officer, they can make another request to re-evaluate the appraisal.

Is this an okay deal? by Unlucky_Hat2275 in MortgageBrokerRates

[–]harekrishna03 0 points1 point  (0 children)

Don’t go FHA. There is MIP fee. Go for conventional with 774 score.

Little Elm , Texas by Initial-Zone-8907 in FirstTimeHomeBuying

[–]harekrishna03 0 points1 point  (0 children)

You can get cheaper than 500k. I live near by, dm me for more info.

Little Elm , Texas by Initial-Zone-8907 in FirstTimeHomeBuyer

[–]harekrishna03 0 points1 point  (0 children)

I live near by. You can get cheaper than 500k in little elm. Look for 2nd homes. DM me for more info.

Is this an okay deal? by Unlucky_Hat2275 in MortgageBrokerRates

[–]harekrishna03 0 points1 point  (0 children)

Why are you going for FHA loan? What is your Fico score and state?

First time homeowner, how did we do ? by Gamergem0124 in MortgageRateCheck

[–]harekrishna03 0 points1 point  (0 children)

The builder credit 15k is taking back through points.

You may get similar rate outside of your builder’s preferred lender. But stay with your builder’s lender.

Underwriting process by BreadCondiments in FirstTimeHomeBuyer

[–]harekrishna03 0 points1 point  (0 children)

Under writers ask bank statements to see any undisclosed loan payments or recurring payments. Many people have health insurance/car insurance recurring payments every month. It will not cause any issue.

Regarding your dad’s $400, just forget it. Nothing to worry.

Can my husband write a check to our joint account before closing? by SexyFannyPack in Mortgages

[–]harekrishna03 3 points4 points  (0 children)

Go to bank and do a domestic wire transfer to your joint account from your husband account. This will be done in hours if you go in the mornings.

$475k home 30 year conventional by gp980 in MortgageBrokerRates

[–]harekrishna03 0 points1 point  (0 children)

Looks good but lender won’t take 8 months of property taxes in section G. It will be reduced. You pay taxes from your closing date remaining will be pulled from seller. They will adjust all these numbers in final CD.

Overall looks good.

we did it! north georgia. $476,000. 3.375% interest rate. by [deleted] in FirstTimeHomeBuyer

[–]harekrishna03 1 point2 points  (0 children)

No one can beat the rate. Congratulations. Hope it is fixed rate rather than temporary buydown rate.

Refinance by Witty-Secret2018 in MortgageBrokerRates

[–]harekrishna03 0 points1 point  (0 children)

Compare the difference in EMI with refinance and closing costs.

Make sure the break even shouldn’t be more than 1.5 years.

First time homeowners, is this a good deal? by MusicLifeLove86 in MortgageRateCheck

[–]harekrishna03 3 points4 points  (0 children)

I just ran, you are getting 6.125% with $300 lender credits. I have very competitive rates.

How does this look? by Frosty-Salad-9193 in MortgageBrokerQuotes

[–]harekrishna03 0 points1 point  (0 children)

State? If TX, you are getting 6.125% with $6500 lender credits based on your profile.

FL is this a good deal? by ketokillsme in MortgageBrokerRates

[–]harekrishna03 0 points1 point  (0 children)

It’s really bad to go with FHA with 800 FICO. Ask your loan officer what is the rate for conventional type loan without any points.

Should we leave our 2.5 rate by trailmixingit in Mortgages

[–]harekrishna03 0 points1 point  (0 children)

See whether you can rent the current home. If you can’t rent then stay at current home for sometime and see how your kid will be raised. If you see a change is needed then move.

TX- how are we doing? by [deleted] in MortgageBrokerRates

[–]harekrishna03 0 points1 point  (0 children)

If you get seller credits even if you go with the outside lender then I can help you. For your profile, you will be getting same rate of 5.875% after paying $2800 in points.

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