Real Estate
Sponsored by

Is this a normal mortgage package?

3,013 Views | 23 Replies | Last: 2 yr ago by Deats99
southernskies
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
12:33p, 4/26/21
Just curious - I was quoted 3.25% on a 30 year fixed, 5% down on $350k loan. 800+ credit score.

$6,600 in closing costs
$5,900 in prepaid costs
Reply Quote
SteveBott
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
2:38p, 4/26/21
AG
Without seeing the actual offer I could tell exactly. Looks a little high. I am pricing a 30 in an hour. My contact info is in my profile if you want to reach out.
Reply Quote
Mortgage Man
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
7:39a, 4/27/21
AG
Please PM or email me. This appears high.
Gig Em! '84

Brian@TxBestHomeLoans.com
Reply Quote
1
Maximus Johnson
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
8:31a, 4/27/21
AG
I got 2.75 30 year fixed with 725 credit score (FHA loan though)
Reply Quote
Aggiehunter34
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to southernskies • 7:04p, 4/28/21
S
Definitely high. I would be happy to get you rates and loan costs and help in any way I can. My email is bbailey@gomycity.com and contact number is in my profile.

Brian
Reply Quote
1
BadMoonRisin
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to SteveBott • 8:28p, 4/28/21
AG
SteveBott said:
Without seeing the actual offer I could tell exactly. Looks a little high. I am pricing a 30 in an hour. My contact info is in my profile if you want to reach out.
Steve, I've got two estimates in hand and I dont think either of them are close to being in my best interest. One is a sandbag and the other sounds too good to be true.

Can I call you?
Reply Quote
1 edit
SteveBott
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
8:32p, 4/28/21
AG
Sure. Now if you want
Reply Quote
Jay@AgsReward.com
User Profile
Private Message
How long do you want to ignore this user?
24 hours One week Permanently Cancel
10:38a, 4/29/21
Sponsor
AG
Love to throw my hat into the ring as well. My email is my screen name here and have ben the title sponsor on this board for years. Love to give some numbers to take a look at, as we are often lower then our competition.
Sponsor Message: AgsReward.com - See Reviews and Check Our 5-Star Rating on Shopper Approved.
Reply Quote
7
BadMoonRisin
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to SteveBott • 2:57p, 4/29/21
AG
SteveBott said:
Sure. Now if you want
sent you over an email.
I know I ain't leavin' you like I know He ain't leavin' us
I know we believe in God and I know God believes in us
Reply Quote
Change Detection
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
9:31p, 4/29/21
AG
I highly recommend Jay.
Reply Quote
4
Deats99
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to Aggiehunter34 • 12:37p, 4/30/21
AG
Aggiehunter34 said:
Definitely high. I would be happy to get you rates and loan costs and help in any way I can. My email is bbailey@gomycity.com and contact number is in my profile.

Brian
Dude I love these responses with no idea of situation. LOL
A good plan violently executed now is better than a perfect plan executed next week.
-George S Patton
Reply Quote
Deats99
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to SteveBott • 12:38p, 4/30/21
AG
SteveBott said:
Without seeing the actual offer I could tell exactly. Looks a little high. I am pricing a 30 in an hour. My contact info is in my profile if you want to reach out.
As always Bott with the level headed win.
A good plan violently executed now is better than a perfect plan executed next week.
-George S Patton
Reply Quote
Aggiehunter34
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to Deats99 • 4:24p, 5/3/21
S
He gave me enough info to look up pricing and I know my closing costs. Not sure what other info you need to do a quick look at pricing out a loan. It wasn't a pre-qualification. LOL
Reply Quote
2 edits
Deats99
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to Aggiehunter34 • 10:00p, 5/3/21
AG
Aggiehunter34 said:
He gave me enough info to look up pricing and I know my closing costs. Not sure what other info you need to do a quick look at pricing out a loan. It wasn't a pre-qualification. LOL
Location? Property type? Occupancy? just to name a few off-hand that affect costs.
A good plan violently executed now is better than a perfect plan executed next week.
-George S Patton
Reply Quote
SteveBott
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to Deats99 • 10:04p, 5/3/21
AG
You forgot credit score
Reply Quote
Deats99
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to Aggiehunter34 • 10:09p, 5/3/21
AG
Aggiehunter34 said:
He gave me enough info to look up pricing and I know my closing costs. Not sure what other info you need to do a quick look at pricing out a loan. It wasn't a pre-qualification. LOL
I funded more last month than you have probably ever sniffed. Slow your roll. There is a reason why only 1 or 2 of us are still here giving advice and writing loans after 15+ years. This isn't a meat market, it is a place for advice.
A good plan violently executed now is better than a perfect plan executed next week.
-George S Patton
Reply Quote
Deats99
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to SteveBott • 10:11p, 5/3/21
AG
SteveBott said:
You forgot credit score
He said 800+, that is where I price everyone that won't give me enough info for soft pull, because if it is less, it is their fault. Ha! LOLOL
A good plan violently executed now is better than a perfect plan executed next week.
-George S Patton
Reply Quote
SteveBott
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
10:15p, 5/3/21
AG
His 800 is almost 100% chance being different from mine. There are at least 10 different score matrices and mine is the only one that counts.
Reply Quote
1
Aggiehunter34
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to Deats99 • 8:00a, 5/4/21
S
Deats99 said:
Aggiehunter34 said:
He gave me enough info to look up pricing and I know my closing costs. Not sure what other info you need to do a quick look at pricing out a loan. It wasn't a pre-qualification. LOL
I funded more last month than you have probably ever sniffed. Slow your roll. There is a reason why only 1 or 2 of us are still here giving advice and writing loans after 15+ years. This isn't a meat market, it is a place for advice.
Thanks for the advice Jeff...and congrats on such a great month! I am retired military and a 100% disabled veteran, so thankfully I am blessed enough to not worry about a paycheck. My apologies if my response rubbed you wrong. I was simply saying exactly what others had said on the board that I felt the package was too high based off of the information that was given. I also gave my contact info for them to reach out if needed. Trust me, if there is a better deal to be had outside of what I can offer, I will tell them.

Take care Jeff and best of luck to you on your continued success! Having made the switch from being in the military for 22 years, then going into hospital administration for 5 years, I can tell you I am extremely impressed with anyone that can do this job. There is a lot of information to learn...I learn something new every day as different scenarios present themselves.

Again, best of luck Jeff and thanks for all you do.

Brian
Reply Quote
1
GarlandAg2012
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to Deats99 • 10:08a, 5/4/21
AG
Deats99 said:
Aggiehunter34 said:
He gave me enough info to look up pricing and I know my closing costs. Not sure what other info you need to do a quick look at pricing out a loan. It wasn't a pre-qualification. LOL
I funded more last month than you have probably ever sniffed. Slow your roll. There is a reason why only 1 or 2 of us are still here giving advice and writing loans after 15+ years. This isn't a meat market, it is a place for advice.
HOF dbag response unless yall are buddies and just giving each other ****
the_batman26: I guess yall need this, its something to take pride in. At least the Feds trusted us with the Space Center; and I seem to recall the Feds not having the best time in Dallas.
Reply Quote
14
1 edit
Deats99
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to GarlandAg2012 • 4:33p, 5/4/21
AG

Wow, I assure you that I do not know him. If I had he would not have questioned my professional competence on a public forum. Now as to my response, if you came on TexAgs and can't handle some **** talking, Highway 6 definitely still runs both ways.
A good plan violently executed now is better than a perfect plan executed next week.
-George S Patton
Reply Quote
GarlandAg2012
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to Deats99 • 4:47p, 5/4/21
AG
Deats99 said:

Wow, I assure you that I do not know him. If I had he would not have questioned my professional competence on a public forum. Now as to my response, if you came on TexAgs and can't handle some **** talking, Highway 6 definitely still runs both ways.
You're the only one calling into question people's professional qualifications, and then felt the need to swing your micropeen like it was a big ol hog.

the_batman26: I guess yall need this, its something to take pride in. At least the Feds trusted us with the Space Center; and I seem to recall the Feds not having the best time in Dallas.
Reply Quote
12
Trucker 96
User Profile Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
In reply to Deats99 • 9:50p, 5/4/21
Deats99 said:

Wow, I assure you that I do not know him. If I had he would not have questioned my professional competence on a public forum. Now as to my response, if you came on TexAgs and can't handle some **** talking, Highway 6 definitely still runs both ways.


Just as an independent observer, but this is a laughably false attempt at the high ground. You immediately and repeatedly **** all over the guy and somehow you are the victim defending himself. LOL
Reply Quote
12
1 edit
Redstone
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
10:41p, 5/4/21
AG
For current residence - 3.1%, 15 year in 2015 w/ equity in at 45%.

Significantly lower closing costs. I would shop.
Reply Quote
1
1 edit
Deats99
User Profile
Private Message
Ignore User Stop Ignoring
How long do you want to ignore this user?
24 hours One week Permanently Cancel
8:02a, 5/5/21
AG
30 yr fixed
2.5% no points $3520.65 in closing costs

350K loan amount

P&I $1405.78
pmi $70

Just so we are all on the same page

Guys I don't like to **** on y'all so I don't bid these,

Sorry I am a d!ck
A good plan violently executed now is better than a perfect plan executed next week.
-George S Patton
Reply Quote
1 edit
Refresh
Page 1 of 1
 
×
subscribe Verify your student status
See Subscription Benefits
Trial only available to users who have never subscribed or participated in a previous trial.