Lender cost worksheet help

[prince143]

 

Lender giving the above rate sheet. Can we negotiate in any section? Is the APR reasonable for credit score above 780? 

 

 

@csrcsr @veerigadu  @dasari4kntr

 

[dasari4kntr]

4 minutes ago, prince143 said:

 

Lender giving the above rate sheet. Can we negotiate in any section? Is the APR reasonable for credit score above 780? 

 

 

@csrcsr @veerigadu  @dasari4kntr

 

if that house is new construction…ask for 2-1 buydown…

 

[Aquaman]

very good rate vayya.. which bank and state is it?

[csrcsr]

4 minutes ago, prince143 said:

 

Lender giving the above rate sheet. Can we negotiate in any section? Is the APR reasonable for credit score above 780? 

 

 

@csrcsr @veerigadu  @dasari4kntr

 

Except lender fee migitavi more or less same anna , some lenders like better.com axos bank etc have no fee

If it's new property and they are asking you to go with their preferred lenders don't forget to ask for closing cost credit or buydown from them

[Gorantlamdhav]

8 minutes ago, prince143 said:

 

Lender giving the above rate sheet. Can we negotiate in any section? Is the APR reasonable for credit score above 780? 

 

 

@csrcsr @veerigadu  @dasari4kntr

 

Settlement services

Title insurance 

these can be dropped , ask them to remove it as it’s optional and no use for new house

[prince143]

Anyone financed from Associated credit union for 15/15 ARM ?

https://www.acuonline.org/home/home

[perugu_vada]

Entha loan theskuntunav uncle ? Entha % down chestunav ? Points emaina buy chesava ? @prince143

[prince143]

11 minutes ago, perugu_vada said:

Entha loan theskuntunav uncle ? Entha % down chestunav ? Points emaina buy chesava ? @prince143

home loan anna. points yemi buy cheyla. Ee Associated credit union which offers 15/15 arm meda idea unda?

 

@dasari4kntr @csrcsr

[prince143]

On 5/31/2024 at 6:26 PM, Aquaman said:

very good rate vayya.. which bank and state is it?

bank kadu anna, thelisina lendor

[dasari4kntr]

4 minutes ago, prince143 said:

home loan anna. points yemi buy cheyla. Ee Associated credit union which offers 15/15 arm meda idea unda?

 

@dasari4kntr @csrcsr

bro.. points you can use for closing costs or upgrades to home...

my lender is different...not what you mentioned...

[csrcsr]

19 minutes ago, prince143 said:

home loan anna. points yemi buy cheyla. Ee Associated credit union which offers 15/15 arm meda idea unda?

 

@dasari4kntr @csrcsr

Usually 5 7 Arms chusanu bro no idea on 15 

[perugu_vada]

40 minutes ago, prince143 said:

home loan anna. points yemi buy cheyla. Ee Associated credit union which offers 15/15 arm meda idea unda?

 

@dasari4kntr @csrcsr

15 yrs loan ah 15/15 ante ? 
Entha loan u are taking ?

[prince143]

4 minutes ago, perugu_vada said:

15 yrs loan ah 15/15 ante ? 
Entha loan u are taking ?

15 yrs ki rate fixed anna. Just like 5/5 is fixed for first 5. 

[prince143]

31 minutes ago, csrcsr said:

Usually 5 7 Arms chusanu bro no idea on 15 

bro can we refinance a 5/5 ARM loan in first 5 years? if so, lets say I refinance in  year "two"  does the 5 year rate lock begin again from there beacuse its a new loan?

[csrcsr]

6 minutes ago, prince143 said:

bro can we refinance a 5/5 ARM loan in first 5 years? if so, lets say I refinance in  year "two"  does the 5 year rate lock begin again from there beacuse its a new loan?

You cam refinance , but mee question ardam kaale bro it will be new loan based on principal balance no? At the time u refu