Search found 11 matches

by Artman910
Wed Sep 09, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9318
Views: 652142

Re: Refinance Mega Thread

Hello, I have recently been shopping for refi option and found out about Lenderfi on this website. I applied last week but they did not get back to me. I then applied to Sebonic ( Cardinal) financial and they got back to me immediately with a good offer and I locked the rate the same day (60-day lo...
by Artman910
Wed Sep 09, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9318
Views: 652142

Re: Refinance Mega Thread

Hello, I have recently been shopping for refi option and found out about Lenderfi on this website. I applied last week but they did not get back to me. I then applied to Sebonic ( Cardinal) financial and they got back to me immediately with a good offer and I locked the rate the same day (60-day lo...
by Artman910
Tue Sep 08, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9318
Views: 652142

Re: Refinance Mega Thread

Damn it this is hard. I’m getting quoted 2.5% with 0.25 points and no other closing costs or 2.625 and no closing costs. I’d have to give up my Mortgage Credit Certificate though. I’m currently at 3.25% on a 492k Mortgage. What would you do? That sounds just like my deal from LenderFi and from the ...
by Artman910
Fri Sep 04, 2020 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9318
Views: 652142

Re: Refinance Mega Thread

I just locked a no-cost refi with LenderFi @2.5% (30 year) having gone through the process with them in February/March (was @3.125%). A+B+C+E-Lender Credits = -$30. My numbers (credit score, LTV, loan amount) are pretty optimal I think for a good rate. I didn't have to fill out a new application. C...
by Artman910
Mon Aug 31, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9318
Views: 652142

Re: Refinance Mega Thread

Helping a friend through a refi now and I didn't realize his LTV was over 80% so it includes PMI. He's started getting his first LEs and they've been pretty solid. No cost ABCE - Lender Credits = 0 and 2.625% rate. What I'm running into that I don't fully understand as I haven't dealt with it befor...
by Artman910
Mon Aug 31, 2020 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9318
Views: 652142

Re: Refinance Mega Thread

I'm confused about having to pay property taxes at closing if you close within 60 days of when your property taxes are due. I'm currently on schedule to close with LenderFi around Sept. 5th which is within 60 days of when my first property tax payment would be due, Nov. 1st. I don't have an escrow ...
by Artman910
Fri Aug 28, 2020 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9318
Views: 652142

Re: Refinance Mega Thread

Man what a forum. gotta hand it to you guys this has been a game changer. Current loan % 4.375 $ 523.5K (507.5K left) I had originally 4.875 549K refi 1 year ago. offers: Lender A) 2.875 30 Yr fixed 508K cost of $3,331 migh waive appraisal Lender B) 2.875 30 Yr fixed 508K cost of $2343 waived appra...
by Artman910
Thu Aug 27, 2020 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9318
Views: 652142

Re: Refinance Mega Thread

Man what a forum. gotta hand it to you guys this has been a game changer. Current loan % 4.375 $ 523.5K (507.5K left) I had originally 4.875 549K refi 1 year ago. offers: Lender A) 2.875 30 Yr fixed 508K cost of $3,331 migh waive appraisal Lender B) 2.875 30 Yr fixed 508K cost of $2343 waived appra...
by Artman910
Thu Aug 27, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9318
Views: 652142

Re: Refinance Mega Thread

Man what a forum. gotta hand it to you guys this has been a game changer. Current loan % 4.375 $ 523.5K (507.5K left) I had originally 4.875 549K refi 1 year ago. offers: Lender A) 2.875 30 Yr fixed 508K cost of $3,331 migh waive appraisal Lender B) 2.875 30 Yr fixed 508K cost of $2343 waived appra...
by Artman910
Wed Aug 26, 2020 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9318
Views: 652142

Re: Refinance Mega Thread

Man what a forum. gotta hand it to you guys this has been a game changer. Current loan % 4.375 $ 523.5K (507.5K left) I had originally 4.875 549K refi 1 year ago. offers: Lender A) 2.875 30 Yr fixed 508K cost of $3,331 migh waive appraisal Lender B) 2.875 30 Yr fixed 508K cost of $2343 waived appra...
by Artman910
Wed Aug 26, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9318
Views: 652142

Re: Refinance Mega Thread

Man what a forum. gotta hand it to you guys this has been a game changer. Current loan % 4.375 $ 523.5K (507.5K left) I had originally 4.875 549K refi 1 year ago. offers: Lender A) 2.875 30 Yr fixed 508K cost of $3,331 migh waive appraisal Lender B) 2.875 30 Yr fixed 508K cost of $2343 waived apprai...