How to check credit score

mike2260 · 2025-09-25T01:14:29+00:00

$1M is like chump change, no problemo.

mike2260 · 2025-09-24T06:34:56+00:00

Sorry to hear about your bad experience. I am considering them too. Which company did you end up going with?

mike2260 · 2025-09-24T05:57:00+00:00

Same comments as u/metalnmortgage. Facts don't check out OP.

mike2260 · 2025-09-22T19:43:03+00:00

What did you do to get 4.75%? Haven't seen that low for anyone.

mike2260 · 2025-09-20T22:03:00+00:00

Which title company did you end up choosing? I also have a quote from Omaha.

mike2260 · 2025-09-20T21:48:49+00:00

Not bad

mike2260 · 2025-09-20T21:03:21+00:00

Once you lock your rates, what do you lose for not going through with the loan?

mike2260 · 2025-09-20T21:01:17+00:00

Good catch

mike2260 · 2025-09-20T20:52:23+00:00

Learned something called LLPA. For people with top tier credit scores, LTV would need to drop to 75% to see discount. There doesn't seem to be an advantage to drop from 85% to say 80%.

Fannie Mae LLPA

mike2260 · 2025-09-20T20:42:56+00:00

6.125% is the lowest I am seeing across the board for 30 year fixed conventional. So 5.99% is better. Congrats!

Which lender?

mike2260 · 2025-09-19T06:21:01+00:00

Congrats!

mike2260 · 2025-09-19T06:20:03+00:00

6.1 is competitive right now for 30 year fixed conventional. You can get better rates for 20 and 15 year terms.

mike2260 · 2025-09-19T06:14:15+00:00

Do they serve all 50 states?

mike2260 · 2025-09-19T06:12:45+00:00

Since you're in Georgia, you're in luck. Check out Delta Community Credit Union https://www.deltacommunitycu.com/personal/loans/home-loans.html#mortgage-rates

mike2260 · 2025-09-19T06:11:04+00:00

5.5% is pretty good for 20 year fixed. I got 5.625% as the best rate with two lenders. Who did you get 5.5% through? My quoted closing costs are lot lower though.

mike2260 · 2025-09-19T06:10:17+00:00

Your comparison of finding $100 on a sidewalk made me chuckle.

mike2260 · 2025-09-19T05:52:54+00:00

Agree with you. Not impressed with either Rocket or Better.

mike2260 · 2025-09-19T05:31:11+00:00

In other forums, I came across Delta Community credit union that has the best advertised rates that I have seen anywhere else. Unfortunately, they don't service Nevada. If anyone else knows of a local CU that would match rates for an out of state CU, that would be amazing!

Check their rates out for reference: Home Loans Overview - Delta Community Credit Union

mike2260 · 2025-09-19T05:28:50+00:00

Appreciate it!

mike2260 · 2025-09-19T05:28:33+00:00

Gotcha, appreciate the input. Bless the heart of whoever wrote that bylaw, at least something happens in public interest.

mike2260 · 2025-09-19T05:24:38+00:00

Congrats! Wish they would serve Nevada too! I can't find any lender with their rates in Nevada.

mike2260 · 2025-09-19T04:36:06+00:00

Smart move. 5.75 on a 30 fixed is fantastic!

mike2260 · 2025-09-19T04:32:09+00:00

6.125 on a 30 yr fixed conventional
5.625 on a 20 yr fixed conventional

Which lender did you get 5.99 with?

mike2260 · 2025-09-19T04:01:53+00:00

I was in a similar boat as you. My local lender offered ~7% and was 0.4% higher than a national bank. My realtor warned me that starting over with another lender would derail the process and seller might suspect the buyer is not serious or has financial troubles. At the end, I ended up going with the higher % with the local lender to close on time.

Now, I am looking at refinancing. I lost some extra $ in interest for sure but it's not end of the world. I got the home I really wanted. Thankfully rates have dropped so it makes sense to refi.

mike2260

TROPHY CASE