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  • December 6, 2007 at 11:34 PM #111294
    temeculaguy
    Participant

    HLS is a straight shooter finance guy, I haven’t seen him on the boards lately but he has a website, homeloansheldon.com

    I’m not pimping him but I bet he can give you an honest answer about your finance plan, he’s given free advice to me via e-mail and on the boards for a while. Also, 10% down and good credit isn’t going to get the panties of the lenders any more, is your income to expense ratio in good shape?

    December 6, 2007 at 11:35 PM #111107
    Wrangler
    Participant

    hi SD R, We appreciate your comments. Now I’m more concerned about the refinance after COE. If you could let us know about other lenders if they will immediately refinance a new home purchase in a month or a few months after the COE, it’ll highly appreciated. Builder’s mortgage broker told us there is no prepayment, no fee if we refinance or sell or make additional payment. The rate is rather high > 7.5% for 30 year fixed jumbo loan.
    Anyway, we’ll double check with the builder’s broker about the soft prepayment penalty. Are there special clauses in the loan documents that we need to watch out for the soft prepayment penalty?

    December 6, 2007 at 11:35 PM #111223
    Wrangler
    Participant

    hi SD R, We appreciate your comments. Now I’m more concerned about the refinance after COE. If you could let us know about other lenders if they will immediately refinance a new home purchase in a month or a few months after the COE, it’ll highly appreciated. Builder’s mortgage broker told us there is no prepayment, no fee if we refinance or sell or make additional payment. The rate is rather high > 7.5% for 30 year fixed jumbo loan.
    Anyway, we’ll double check with the builder’s broker about the soft prepayment penalty. Are there special clauses in the loan documents that we need to watch out for the soft prepayment penalty?

    December 6, 2007 at 11:35 PM #111257
    Wrangler
    Participant

    hi SD R, We appreciate your comments. Now I’m more concerned about the refinance after COE. If you could let us know about other lenders if they will immediately refinance a new home purchase in a month or a few months after the COE, it’ll highly appreciated. Builder’s mortgage broker told us there is no prepayment, no fee if we refinance or sell or make additional payment. The rate is rather high > 7.5% for 30 year fixed jumbo loan.
    Anyway, we’ll double check with the builder’s broker about the soft prepayment penalty. Are there special clauses in the loan documents that we need to watch out for the soft prepayment penalty?

    December 6, 2007 at 11:35 PM #111275
    Wrangler
    Participant

    hi SD R, We appreciate your comments. Now I’m more concerned about the refinance after COE. If you could let us know about other lenders if they will immediately refinance a new home purchase in a month or a few months after the COE, it’ll highly appreciated. Builder’s mortgage broker told us there is no prepayment, no fee if we refinance or sell or make additional payment. The rate is rather high > 7.5% for 30 year fixed jumbo loan.
    Anyway, we’ll double check with the builder’s broker about the soft prepayment penalty. Are there special clauses in the loan documents that we need to watch out for the soft prepayment penalty?

    December 6, 2007 at 11:35 PM #111299
    Wrangler
    Participant

    hi SD R, We appreciate your comments. Now I’m more concerned about the refinance after COE. If you could let us know about other lenders if they will immediately refinance a new home purchase in a month or a few months after the COE, it’ll highly appreciated. Builder’s mortgage broker told us there is no prepayment, no fee if we refinance or sell or make additional payment. The rate is rather high > 7.5% for 30 year fixed jumbo loan.
    Anyway, we’ll double check with the builder’s broker about the soft prepayment penalty. Are there special clauses in the loan documents that we need to watch out for the soft prepayment penalty?

    December 6, 2007 at 11:45 PM #111117
    Wrangler
    Participant

    hi temeculaguy, Thanks for your suggestions! Just went to the website and sent an email to HLS, and hopefully he will reply.

    December 6, 2007 at 11:45 PM #111233
    Wrangler
    Participant

    hi temeculaguy, Thanks for your suggestions! Just went to the website and sent an email to HLS, and hopefully he will reply.

    December 6, 2007 at 11:45 PM #111267
    Wrangler
    Participant

    hi temeculaguy, Thanks for your suggestions! Just went to the website and sent an email to HLS, and hopefully he will reply.

    December 6, 2007 at 11:45 PM #111285
    Wrangler
    Participant

    hi temeculaguy, Thanks for your suggestions! Just went to the website and sent an email to HLS, and hopefully he will reply.

    December 6, 2007 at 11:45 PM #111309
    Wrangler
    Participant

    hi temeculaguy, Thanks for your suggestions! Just went to the website and sent an email to HLS, and hopefully he will reply.

    December 6, 2007 at 11:50 PM #111121
    Wrangler
    Participant

    yes, our income to expense ratio is ok, 30 year fixed 7.5% PI is within 1/3 of gross income.

    December 6, 2007 at 11:50 PM #111238
    Wrangler
    Participant

    yes, our income to expense ratio is ok, 30 year fixed 7.5% PI is within 1/3 of gross income.

    December 6, 2007 at 11:50 PM #111272
    Wrangler
    Participant

    yes, our income to expense ratio is ok, 30 year fixed 7.5% PI is within 1/3 of gross income.

    December 6, 2007 at 11:50 PM #111290
    Wrangler
    Participant

    yes, our income to expense ratio is ok, 30 year fixed 7.5% PI is within 1/3 of gross income.

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