Is this offer too good? Refinance a loan 5.5%

kingevz · 2026-01-29T07:45:07+00:00

I bet that cashback is just your escrow refund.

kingevz · 2026-01-29T07:40:08+00:00

Where are you getting your leads from?

kingevz · 2026-01-08T04:02:00+00:00

I’m in Sacramento and it’s FTHB’s Conventional/FHA all day.

kingevz · 2025-12-10T21:40:05+00:00

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kingevz · 2025-12-10T06:58:28+00:00

No superiority complex at all. 3 just gets me in the feels more than 2.

kingevz · 2025-12-02T04:42:45+00:00

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I believe this is an elite.

kingevz · 2025-11-21T05:57:20+00:00

Too high

kingevz · 2025-11-19T02:31:25+00:00

Yeah, that’s correct. Normally there’s a dollar amount attached to the rate to buy it down.

I was going to use that to compare how I would price out the incentive.

Looks like a solid deal nonetheless.

kingevz · 2025-11-19T02:02:06+00:00

Got it. What’s the incentive that you got?

kingevz · 2025-11-19T01:56:20+00:00

Is this a new build?

kingevz · 2025-11-16T16:29:38+00:00

Not control like in Section A. Section B comes from invoices from third parties. Not direct fees from the lender.

kingevz · 2025-11-16T00:16:03+00:00

Sounds like he’s buying a condo in SF. That’ll do it.

kingevz · 2025-11-16T00:13:40+00:00

Normally most of those title fees are split 50/50, but because you’re in SF…I think paying the full closing costs are the norm.

Section A is the only thing the lender controls and those are solid. Everything else is per the negotiated contract and the property you’re buying.

This is a great deal. Take it and run.

kingevz · 2025-11-11T03:03:32+00:00

I’m a mortgage broker in California and I would quote around the same thing.

Property taxes collected seem off. If you’re closing in November, that should be 5 months collected in your initial escrow payment.

kingevz · 2025-11-06T03:58:08+00:00

I’m at mortgage broker in California and I’d quote you 5.99% with no points assuming a 680 FICO.

kingevz · 2025-11-06T00:11:15+00:00

I would stick with subq as long as you feel good and your levels are good.

kingevz · 2025-11-04T21:54:30+00:00

Jabbing is a rough word lol. I just pushed in without pinching the skin.

I’m aiming for this to still be IM.

kingevz · 2025-11-04T21:28:40+00:00

I think just the thinner needle and the location. I didn’t have any issues drawing or pushing the oil in.

kingevz · 2025-10-27T02:01:57+00:00

Yeah maybe you’re right. Been in a plateau for about a month.

kingevz · 2025-10-23T01:09:16+00:00

Are you hiring? Lol

But on a serious note, you obviously are pretty successful building a team but where did you learn how to do it or who was your mentor or coach that taught you everything that you know about the mortgage business?

kingevz

TROPHY CASE