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Great mortgage brokers that you used
« Last edited by yesitsme on October 08, 2021, 02:06:12 AM »

Author Topic: Any mortgage experts on the forums?  (Read 92359 times)

Offline S209

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Re: Any mortgage experts on the forums?
« Reply #320 on: August 12, 2021, 07:40:54 PM »
If they wont trace the money, I can just wire the money from a different account. or are you saying transferring through my attorney has less of a chance that they will request to see the source of the money?

No broker here. you can't get this loan through a mortgage broke, only directly with bank.
Yes but isnít there an underwriter and loan officer? What do they say?

Also, how crazy is this rate?
Quote from: YitzyS
Quotes in a signature is annoying, as it comes across as an independent post.

Offline Help

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Re: Any mortgage experts on the forums?
« Reply #321 on: August 12, 2021, 07:54:04 PM »
Yes but isnít there an underwriter and loan officer? What do they say?

Also, how crazy is this rate?
I don't want to bring it to their attention.
Interest rate is standard but they offer $10k down payment grant. (They 1099 you so effectively it's less than that.) And $7,500 towards closing cost (non taxable). 

Offline yitzgar

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Re: Any mortgage experts on the forums?
« Reply #322 on: August 12, 2021, 08:08:16 PM »
I don't want to bring it to their attention.
Interest rate is standard but they offer $10k down payment grant. (They 1099 you so effectively it's less than that.) And $7,500 towards closing cost (non taxable).
Which bank?

Offline S209

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Re: Any mortgage experts on the forums?
« Reply #323 on: August 12, 2021, 08:09:09 PM »
I don't want to bring it to their attention.
Interest rate is standard but they offer $10k down payment grant. (They 1099 you so effectively it's less than that.) And $7,500 towards closing cost (non taxable).
Wow, nice!
Quote from: YitzyS
Quotes in a signature is annoying, as it comes across as an independent post.

Offline Help

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Re: Any mortgage experts on the forums?
« Reply #324 on: August 12, 2021, 08:14:04 PM »
Which bank?
BOFA. they are a Pain in the neck to deal with, 0 communication and I would never recommend to someone who has a slightly complicated situation.
But they gave me 17,500 reasons to go with them :)


P.S. I did a lot of research regarding first time home buyer programs, if anyone has any questions I'll be glad to answer.

Offline Mf1

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Re: Any mortgage experts on the forums?
« Reply #325 on: August 12, 2021, 08:49:52 PM »
I did.
The bank (supervisor) claimed that there is nothing he can do regarding waiving the limit.
The title company told me; from their side they don't care where the money comes from. they didn't offer a way to access the funds from that account.
How about overnighting a cashier's check

Offline Help

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Re: Any mortgage experts on the forums?
« Reply #326 on: August 12, 2021, 09:43:26 PM »
How about overnighting a cashier's check
I didn't think of that, but I asked him what my options are and he told me its to go down to a branch.
regardless, It's too late for that now.

Offline yitzgar

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Re: Any mortgage experts on the forums?
« Reply #327 on: August 12, 2021, 10:01:58 PM »
What rates are people getting nowadays for refis?

Offline nirc

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Re: Any mortgage experts on the forums?
« Reply #328 on: August 12, 2021, 10:08:27 PM »
What rates are people getting nowadays for refis?

i did a 15 yr 2.5% with an effective $0 fees/closing costs

Offline Nate79

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Re: Any mortgage experts on the forums?
« Reply #329 on: August 14, 2021, 12:08:36 PM »
Just completed a 2.125% 15 year fixed refi with Better for a net of getting back $1k when figuring in the $2k Amex credit. Nice to make money on a refi and get a low interest rate.

Offline yesitsme

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Re: Any mortgage experts on the forums?
« Reply #330 on: August 14, 2021, 09:40:46 PM »
Just completed a 2.125% 15 year fixed refi with Better for a net of getting back $1k when figuring in the $2k Amex credit. Nice to make money on a refi and get a low interest rate.
And I'm paying 4.75%
["-"]

Offline JACKBLUE

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Re: Any mortgage experts on the forums?
« Reply #331 on: August 14, 2021, 10:48:27 PM »
And I'm paying 4.75%
why donít you refi?

Offline Joel

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Re: Any mortgage experts on the forums?
« Reply #332 on: August 14, 2021, 11:00:40 PM »
why donít you refi?
Not everyone can show income.

Offline yesitsme

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Re: Any mortgage experts on the forums?
« Reply #333 on: August 14, 2021, 11:47:27 PM »
why donít you refi?
In the process

Offline yesitsme

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Offline JACKBLUE

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Re: Any mortgage experts on the forums?
« Reply #335 on: August 15, 2021, 01:42:27 PM »

Offline dovy2

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Re: Any mortgage experts on the forums?
« Reply #336 on: August 15, 2021, 08:47:11 PM »

Offline elihak7

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Re: Any mortgage experts on the forums?
« Reply #337 on: August 16, 2021, 01:01:44 AM »
If I Hava a house and wanna buy different house, is there anyway to buy before selling the old and be eligible for 1031?

Offline S209

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Re: Any mortgage experts on the forums?
« Reply #338 on: August 16, 2021, 02:47:22 AM »
If I Hava a house and wanna buy different house, is there anyway to buy before selling the old and be eligible for 1031?
Investment?
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Offline elihak7

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Re: Any mortgage experts on the forums?
« Reply #339 on: August 16, 2021, 03:23:26 AM »