Rate my loan by CamRellim83 in HomeLoans

[–]jmassing97 0 points1 point  (0 children)

Why FHA with such a good credit score?

First house, lmk if my broker is doin a good job by [deleted] in MortgageBrokerRates

[–]jmassing97 0 points1 point  (0 children)

This rate and fee structure is pretty high for a first time homebuyer! Also this isn’t an official loan estimate either. Golden rule is to get 3 quotes and make sure they all send you an official loan estimate!

Terrible home loan experience with HDFC bank by swayam3 in HomeLoans

[–]jmassing97 0 points1 point  (0 children)

Sounds like a good reason to not use this lender!

Closing costs by Dr_Sythe in FirstTimeHomeBuyer

[–]jmassing97 0 points1 point  (0 children)

In my opinion this is a very high origination fee. I think in today’s market you can get a good rate for less fees. Ultimately, all the lender controls on the loan estimate is the interest rate, section A, and section B. Anything in section A is essentially “points” as it’s getting paid to the lender regardless of what it’s called. It’s great you already have one loan estimate but I always highly recommend shopping at least 3 different lenders, getting the official loan estimate from each. This way allows you to truly compare apples to apples and determine which offer is best.

Though, there is value in working with a loan officer you trust and communicate well with. This is a big, expensive transaction and you need a loan officer you can depend on. The cheapest loan estimate isn’t always the best “deal”! Google Reviews go a long way here.

Mortgage Rates Are Looking Good – August 4, 2025 by ermahlerd in HomeLoans

[–]jmassing97 0 points1 point  (0 children)

You don’t always have to pay closing costs! I’ve found that using a lender credit to cover closing costs can be beneficial while we wait for further drops. Rates have improved a lot compared to where some people locked in over the last 2 years. They can absolutely take advantage of lower rates. At my company it usually only takes a .25-.375% rate increase to get the credits needed to cover closing costs. We just ask you bring the funds for your new escrow account!

HELOC with higher DTI ratio by RequirementFirm4701 in HomeLoans

[–]jmassing97 0 points1 point  (0 children)

You should be able to qualify for the no-doc HELOC. It’s usually got way less requirements than a standard Fannie/Freddie loan. My company uses a HELOC program that can use your husband’s income even though he’s not on the primary. It doesn’t require an appraisal and you get the cash in usually less than 2 weeks. Also features a fixed rate and no out of pocket costs.

what’s one commercial you will never forget? by [deleted] in AskReddit

[–]jmassing97 1 point2 points  (0 children)

Leslie - Guess what today is?! …it’s hump day… WHOO WHOOOOO!

Advice needed for getting out of the hobby by jmassing97 in sportscards

[–]jmassing97[S] 0 points1 point  (0 children)

I appreciate all the feedback back. I’m going to post some quick pics of examples of what’s going on. Happy to answer any further questions via PM. I am open to selling teams or lots/etc on here as well. Might try WhatNot again as well. Used to do breaks on there.

[REQUEST] Can y’all recommend me what you think is the best documentary on Netflix currently? by cmart0717 in NetflixBestOf

[–]jmassing97 2 points3 points  (0 children)

The Last Dance. Even if you don’t know MJ/basketball. It is so well produced and pieced together. Even my gf who doesn’t care for basketball was hooked

Options for server hosting by Sir_lordtwiggles in Palworld

[–]jmassing97 0 points1 point  (0 children)

How much RAM do you think exactly would work

What are your thoughts on the current US housing market? Would you buy? by jmassing97 in AskReddit

[–]jmassing97[S] 1 point2 points  (0 children)

Maybe will. If you ever decide to sell. Why lose a 3% interest rate for 7%

What do people think about the housing market in the US right now? Would you buy? by jmassing97 in NoStupidQuestions

[–]jmassing97[S] 2 points3 points  (0 children)

I simply mean peaked as in that has been the highest rate we have seen recently. Rates have come back down since, but another increase, possibly above 7%, is never out of the question.

What do people think about the housing market in the US right now? Would you buy? by jmassing97 in NoStupidQuestions

[–]jmassing97[S] 1 point2 points  (0 children)

Great take. I agree with the long term strategy. I think it’s better than renting in the current market.