- This topic has 105 replies, 15 voices, and was last updated 16 years ago by
DWCAP.
-
AuthorPosts
-
January 26, 2009 at 7:25 PM #337212January 26, 2009 at 8:00 PM #336719
bob2007
ParticipantThanks, this seems like a good site.
January 26, 2009 at 8:00 PM #337048bob2007
ParticipantThanks, this seems like a good site.
January 26, 2009 at 8:00 PM #337137bob2007
ParticipantThanks, this seems like a good site.
January 26, 2009 at 8:00 PM #337164bob2007
ParticipantThanks, this seems like a good site.
January 26, 2009 at 8:00 PM #337252bob2007
ParticipantThanks, this seems like a good site.
January 27, 2009 at 10:16 AM #336981HLS
ParticipantI can assure you that they aren’t giving loans away.
Some of their fees are high. At the moment, I can offer a buydown to 4.50% on a $417,000 loan for $4378, almost $2000 less than them but I charge more than $1995 as my guaranteed lender fee.
Their closing agent fee + title insurance is $1625, for a refi I can get it done for $1000..
The way I see it, they fool you with a low “lender fee” and get you with high discount points and other fees.
One way or the other, you will pay.
They don’t ask what your credit score is, which is CRUCIAL in pricing a loan. It just isn’t possible to quote someone an accurate rate without knowing their mortgage credit score, and they still need to qualify.
I don’t claim to have the lowest total costs, but am competitive. If lowest price is all that is important to you, pray that nothing goes wrong.
…HLSJanuary 27, 2009 at 10:16 AM #337309HLS
ParticipantI can assure you that they aren’t giving loans away.
Some of their fees are high. At the moment, I can offer a buydown to 4.50% on a $417,000 loan for $4378, almost $2000 less than them but I charge more than $1995 as my guaranteed lender fee.
Their closing agent fee + title insurance is $1625, for a refi I can get it done for $1000..
The way I see it, they fool you with a low “lender fee” and get you with high discount points and other fees.
One way or the other, you will pay.
They don’t ask what your credit score is, which is CRUCIAL in pricing a loan. It just isn’t possible to quote someone an accurate rate without knowing their mortgage credit score, and they still need to qualify.
I don’t claim to have the lowest total costs, but am competitive. If lowest price is all that is important to you, pray that nothing goes wrong.
…HLSJanuary 27, 2009 at 10:16 AM #337399HLS
ParticipantI can assure you that they aren’t giving loans away.
Some of their fees are high. At the moment, I can offer a buydown to 4.50% on a $417,000 loan for $4378, almost $2000 less than them but I charge more than $1995 as my guaranteed lender fee.
Their closing agent fee + title insurance is $1625, for a refi I can get it done for $1000..
The way I see it, they fool you with a low “lender fee” and get you with high discount points and other fees.
One way or the other, you will pay.
They don’t ask what your credit score is, which is CRUCIAL in pricing a loan. It just isn’t possible to quote someone an accurate rate without knowing their mortgage credit score, and they still need to qualify.
I don’t claim to have the lowest total costs, but am competitive. If lowest price is all that is important to you, pray that nothing goes wrong.
…HLSJanuary 27, 2009 at 10:16 AM #337425HLS
ParticipantI can assure you that they aren’t giving loans away.
Some of their fees are high. At the moment, I can offer a buydown to 4.50% on a $417,000 loan for $4378, almost $2000 less than them but I charge more than $1995 as my guaranteed lender fee.
Their closing agent fee + title insurance is $1625, for a refi I can get it done for $1000..
The way I see it, they fool you with a low “lender fee” and get you with high discount points and other fees.
One way or the other, you will pay.
They don’t ask what your credit score is, which is CRUCIAL in pricing a loan. It just isn’t possible to quote someone an accurate rate without knowing their mortgage credit score, and they still need to qualify.
I don’t claim to have the lowest total costs, but am competitive. If lowest price is all that is important to you, pray that nothing goes wrong.
…HLSJanuary 27, 2009 at 10:16 AM #337515HLS
ParticipantI can assure you that they aren’t giving loans away.
Some of their fees are high. At the moment, I can offer a buydown to 4.50% on a $417,000 loan for $4378, almost $2000 less than them but I charge more than $1995 as my guaranteed lender fee.
Their closing agent fee + title insurance is $1625, for a refi I can get it done for $1000..
The way I see it, they fool you with a low “lender fee” and get you with high discount points and other fees.
One way or the other, you will pay.
They don’t ask what your credit score is, which is CRUCIAL in pricing a loan. It just isn’t possible to quote someone an accurate rate without knowing their mortgage credit score, and they still need to qualify.
I don’t claim to have the lowest total costs, but am competitive. If lowest price is all that is important to you, pray that nothing goes wrong.
…HLSJanuary 27, 2009 at 1:55 PM #337131an
Participant[quote=HLS]I can assure you that they aren’t giving loans away.
Some of their fees are high. At the moment, I can offer a buydown to 4.50% on a $417,000 loan for $4378, almost $2000 less than them but I charge more than $1995 as my guaranteed lender fee.
Their closing agent fee + title insurance is $1625, for a refi I can get it done for $1000..
The way I see it, they fool you with a low “lender fee” and get you with high discount points and other fees.
One way or the other, you will pay.
They don’t ask what your credit score is, which is CRUCIAL in pricing a loan. It just isn’t possible to quote someone an accurate rate without knowing their mortgage credit score, and they still need to qualify.
I don’t claim to have the lowest total costs, but am competitive. If lowest price is all that is important to you, pray that nothing goes wrong.
…HLS[/quote]
HLS, my posting about aimloan wasn’t me trying to take anything away from you. It’s just an easiest/quickest source for me to get some rough data. with this data, I disprove the OP claim of rates are at 5.5% with 1 points. Obviously, if one are looking to buy, one shouldn’t base solely on forum’s comments. My quote was with the best credit scores. It’s a definitely YMMV number.January 27, 2009 at 1:55 PM #337458an
Participant[quote=HLS]I can assure you that they aren’t giving loans away.
Some of their fees are high. At the moment, I can offer a buydown to 4.50% on a $417,000 loan for $4378, almost $2000 less than them but I charge more than $1995 as my guaranteed lender fee.
Their closing agent fee + title insurance is $1625, for a refi I can get it done for $1000..
The way I see it, they fool you with a low “lender fee” and get you with high discount points and other fees.
One way or the other, you will pay.
They don’t ask what your credit score is, which is CRUCIAL in pricing a loan. It just isn’t possible to quote someone an accurate rate without knowing their mortgage credit score, and they still need to qualify.
I don’t claim to have the lowest total costs, but am competitive. If lowest price is all that is important to you, pray that nothing goes wrong.
…HLS[/quote]
HLS, my posting about aimloan wasn’t me trying to take anything away from you. It’s just an easiest/quickest source for me to get some rough data. with this data, I disprove the OP claim of rates are at 5.5% with 1 points. Obviously, if one are looking to buy, one shouldn’t base solely on forum’s comments. My quote was with the best credit scores. It’s a definitely YMMV number.January 27, 2009 at 1:55 PM #337549an
Participant[quote=HLS]I can assure you that they aren’t giving loans away.
Some of their fees are high. At the moment, I can offer a buydown to 4.50% on a $417,000 loan for $4378, almost $2000 less than them but I charge more than $1995 as my guaranteed lender fee.
Their closing agent fee + title insurance is $1625, for a refi I can get it done for $1000..
The way I see it, they fool you with a low “lender fee” and get you with high discount points and other fees.
One way or the other, you will pay.
They don’t ask what your credit score is, which is CRUCIAL in pricing a loan. It just isn’t possible to quote someone an accurate rate without knowing their mortgage credit score, and they still need to qualify.
I don’t claim to have the lowest total costs, but am competitive. If lowest price is all that is important to you, pray that nothing goes wrong.
…HLS[/quote]
HLS, my posting about aimloan wasn’t me trying to take anything away from you. It’s just an easiest/quickest source for me to get some rough data. with this data, I disprove the OP claim of rates are at 5.5% with 1 points. Obviously, if one are looking to buy, one shouldn’t base solely on forum’s comments. My quote was with the best credit scores. It’s a definitely YMMV number.January 27, 2009 at 1:55 PM #337576an
Participant[quote=HLS]I can assure you that they aren’t giving loans away.
Some of their fees are high. At the moment, I can offer a buydown to 4.50% on a $417,000 loan for $4378, almost $2000 less than them but I charge more than $1995 as my guaranteed lender fee.
Their closing agent fee + title insurance is $1625, for a refi I can get it done for $1000..
The way I see it, they fool you with a low “lender fee” and get you with high discount points and other fees.
One way or the other, you will pay.
They don’t ask what your credit score is, which is CRUCIAL in pricing a loan. It just isn’t possible to quote someone an accurate rate without knowing their mortgage credit score, and they still need to qualify.
I don’t claim to have the lowest total costs, but am competitive. If lowest price is all that is important to you, pray that nothing goes wrong.
…HLS[/quote]
HLS, my posting about aimloan wasn’t me trying to take anything away from you. It’s just an easiest/quickest source for me to get some rough data. with this data, I disprove the OP claim of rates are at 5.5% with 1 points. Obviously, if one are looking to buy, one shouldn’t base solely on forum’s comments. My quote was with the best credit scores. It’s a definitely YMMV number. -
AuthorPosts
- You must be logged in to reply to this topic.