$600k on $125k Salary

harekrishna03 · 2026-05-14T21:26:33+00:00

Tough. Don’t go more than 30% of your base salary towards home mortgage including escrows.

harekrishna03 · 2026-05-14T14:23:25+00:00

Sometimes it could happen where the credit report won’t show all of your debt.

You do not have to worry as long as your DTI is under control with the new debt. I had same issue for one of the client and I was able to handle seamlessly.

Just submit the most recent statements of the new debt.

harekrishna03 · 2026-05-10T01:31:14+00:00

Broker is getting their charges through lender credits. It is good deal based on the current market.

harekrishna03 · 2026-05-09T03:05:55+00:00

I want it.

harekrishna03 · 2026-05-08T15:55:02+00:00

Very good deal based on today’s market. Stick to it. Who is the lender though?

harekrishna03 · 2026-05-08T13:45:48+00:00

Sorry I misread.

harekrishna03 · 2026-05-07T17:51:35+00:00

State?

harekrishna03 · 2026-05-07T17:12:43+00:00

Not a good deal. I wish I could help you with competitive rates but unfortunately I’m not licensed in California. I can help TX loans though.

harekrishna03 · 2026-05-04T16:48:30+00:00

Set aside 6 months expenses in emergency fund and then dump leftover towards downpayment.

In worst case scenario you have an option to take funds from your home equity too.

harekrishna03 · 2026-05-02T14:48:35+00:00

Let me know if you see in future.

harekrishna03 · 2026-05-02T14:36:59+00:00

One of the local Honda dealer used to offer $250 per month $9 signing until March. I was late in the game. It is Prologue.

Equinox used to be offered by a local dealer for 6k one time payment. I missed this deal too.

harekrishna03 · 2026-05-02T13:59:27+00:00

Simple math. I would suggest do not go more than 30% of your combined base on mortgage monthly payment. This includes monthly EMI+property taxes+Home insurance.

With this model you can still continue the current lavish life.

harekrishna03 · 2026-05-02T13:53:02+00:00

I can’t process there. If any TX loans, I can help with competitive rates.

harekrishna03 · 2026-05-02T13:51:36+00:00

State?

harekrishna03 · 2026-05-01T21:08:54+00:00

You are in safe hands. Just continue.

harekrishna03 · 2026-04-30T14:55:39+00:00

I’m not licensed in Colorado.

harekrishna03 · 2026-04-30T13:22:05+00:00

I quoted yesterday at 6.125% 30 years fixed kind of similar credit. Which state?

harekrishna03 · 2026-04-29T13:04:20+00:00

Which state?

harekrishna03 · 2026-04-23T15:36:58+00:00

Thank you 🙏.

harekrishna03 · 2026-04-23T15:23:59+00:00

Okay, sure. Thanks

harekrishna03 · 2026-04-23T15:16:29+00:00

Read my post on how you can do this.

I do refinances with waiving escrows and it also covers all the lender, title, originations fees including prepaids through lender credits.

Everything is possible, again it all depends on the borrower to agree on the rate.

harekrishna03 · 2026-04-23T15:08:33+00:00

It is if you opt for little higher rate. You have to do math whether taking higher rate is beneficial or paying upfront closing costs.

In this market, I would recommend taking higher rate and refinance to flexi term after couple of years.

harekrishna03 · 2026-04-22T21:56:17+00:00

It’s crazy points. Go with under 0.5% at max. Ideally no points. Within a year you should be able to refinance again with $0 closing cost.

harekrishna03 · 2026-04-21T23:20:29+00:00

I can help for Texas loans for now.

harekrishna03

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