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Thread: Shopping for a mortgage
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02-27-2020, 09:10 PM #26
I just locked a 3.5 30y after being at 4125 for 4 years. Saving 210/mo.
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02-27-2020, 09:12 PM #27
ARM rates could fall again soon. I'm still working a 5/5 ARM at 2.5% from 2016.
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02-27-2020, 09:32 PM #28
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02-27-2020, 10:21 PM #29
I'm at 3.375 already, hard to convince myself to do anything.
"fuck off you asshat gaper shit for brains fucktard wanker." - Jesus Christ
"She was tossing her bean salad with the vigor of a Drunken Pop princess so I walked out of the corner and said.... "need a hand?"" - Odin
"everybody's got their hooks into you, fuck em....forge on motherfuckers, drag all those bitches across the goal line with you." - (not so) ill-advised strategy
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02-27-2020, 11:13 PM #30
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02-27-2020, 11:23 PM #31
Anyone got a recommendation for a broker in Utah? Listening to people here I feel like we were taken for a ride when we bought our first home. Would love to chat with someone recommended by a mag.
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02-27-2020, 11:30 PM #32
It is tough to find guys like myself that are legit, close on time and offer the best price. So much for internet searches. That said, if you must, Zillow will normally have pretty good quotes and check the companies reviews before you jump in.
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02-28-2020, 12:28 AM #33
I have a great guy here in Colorado, but last time around he was out of the country when rates dropped. I got a smoking quote from Zillow, and the refi (northpointe bank) went smoothly.
"fuck off you asshat gaper shit for brains fucktard wanker." - Jesus Christ
"She was tossing her bean salad with the vigor of a Drunken Pop princess so I walked out of the corner and said.... "need a hand?"" - Odin
"everybody's got their hooks into you, fuck em....forge on motherfuckers, drag all those bitches across the goal line with you." - (not so) ill-advised strategy
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02-28-2020, 01:41 AM #34
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02-28-2020, 02:00 AM #35
We just closed on a 3.25 7/1 ARM. Hoping to pay it off quickly.
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02-28-2020, 05:09 AM #36
My guy that I used before originally told me 3.875 a week ago. After I got another offer at 3.50 he told me he could do 3.375. Its like buying a car and its super annoying to me.
Also, rates change daily and they have been dropping over the last couple weeks, though I'm not sure by how much.
You are probably aware of this, but some companies will offer a lower rate but do a "buy down" in the closing costs (which are rolled in to the new loan). This means that they will give you a lower rate, but effectively raise the loan amount.
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02-28-2020, 07:21 AM #37Registered User
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02-28-2020, 07:26 AM #38
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02-28-2020, 07:56 AM #39Registered User
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I’m at 3.75 and 5 years into it on my 30 year dentist sized mortgage in WA. I’d like to drop down to a 25 year or maybe 20. Same search strategy for this (ie Zillow guys) or do I need to look with the bigger/specialized guys?
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02-28-2020, 08:02 AM #40Registered User
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02-28-2020, 08:05 AM #41Registered User
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02-28-2020, 09:06 AM #42
I need to do this... currently at 4.0 with a 10/1.
I really hate this process though. No offense to the mags that are in this business, but it’s worse than going to a used car lot... the big banks are terrible to deal with, the local lenders seem to just slap a percentage on-top of a loan from elsewhere, the online mortgage companies just sell your contact info to all the lenders in a 100 mile radius....
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02-28-2020, 09:15 AM #43Registered User
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02-28-2020, 09:22 AM #44
just bought my first place. move in july 15. 2.69% for a five year fixed, amortized over 25. seemed to be the best thing going but these mortgage guys are shady. inspection and whatever else was supposed to be included, i look at my first deductions and they’re for 333 and 43, which he claimed was an interest adjustment. wtf right?
j'ai des grands instants de lucididididididididi
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02-28-2020, 09:46 AM #45Registered User
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I did mine all through email and text. I didn’t meet anyone face to face until I showed up at the title company to close. I spent a few hours researching companies beforehand, but even that included I probably spent less than 5 hours total on it.
I do commercial real estate loans for a living which makes it a little easier to not get scammed.
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02-28-2020, 10:18 AM #46
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02-28-2020, 11:01 AM #47
I just locked a refinance in on a 30 year fixed at 3% with a credit to the customer of $2,900, so a no-cost loan. Rates have never been this low in the 36 years I've been doing this
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02-28-2020, 11:05 AM #48
And don't pay for an appraisal. Lender A told me I needed to and it was standard practice, then Lender B said "no appraisal neccessary." Went back to Lender A and suddenly he was able to make it go away. Shady indeed.
Bankers, lawyers, salesman, fuck 90 percent of them. Maybe 99 percent?
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02-28-2020, 11:13 AM #49Registered User
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Lee Lau - xxx-er is the laziest Asian canuck I know
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02-28-2020, 11:20 AM #50
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