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Mortgage Rates Soar to Nearly 7% : RealEstate

Details: Money's daily mortgage rates reflect what a borrower with a 20% down payment and a 700 credit score — roughly the national average score — might pay if he or she applied for a home loan right now. Each day's rates are based on the average rate 8,000 lenders offered to applicants the previous business day. Freddie Mac's weekly rates will reddit mortgage loans

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Is $8k mortgage too much

Details: Our current mortgage is $2,400 and we don’t know what the wisest thing to do is. Income: husband’s base is $132,500. My average is $235k. I have already made my average for this year. Debt: $1200 in student loans + a land mortgage we have. Down payment: $320k (from HELOC) Savings: $100k. Childcare: $2200/mo. I always used the ultra reddit mortgage tips

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ELI5: How Do Home Mortgages Work

Details: A second mortgage is a second loan that uses the same house as collateral. You borrow money from a bank; if you don't pay, the second lender can also take the house, but they must pay off the first lender first. Fort example, if you owe $150,000 on a first mortgage and $50,000 on a second mortgage, and you fail to pay the second mortgage, the reddit mortgage refinance

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Mortgage Lender AMA : RealEstate

Details: Mortgage Lender AMA. Just an AMA, never done one before, I’ll be on for about an hour. My niche is creative financing and working with investors as that’s where my personal interests are but I work with about 60% first time home buyers. Everyone from $0 money down barely above minimum wage household to 500k annual salary with 20% down & 24 own up mortgage reddit

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Mortgage Rates : RealEstate

Details: We ended up locking a 3.265% 7-year ARM yesterday (0 points, $5K credit) and our agent kicked in a $3K credit. We figure in 2-3 years rates we'll settle down and refi, but overall we're ecstatic. We're moving from one of the highest COL areas in the country to a much more affordable area, and we have a pool now!! rocket mortgage reddit

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where should i get a mortgage from

Details: At my local credit union you cannot get a mortgage higher than $250,000. But credit unions are smaller operations, so this isn't that surprising. For someone of your income level though generally you can afford a house 2x-2.5x your gross income. So if you make $50,000, you could generally qualify for a 100,000-150,000 house so this may not reddit mortgage advice

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2nd Mortgage Foreclosure : personalfinance

Details: kveggie1. · just now . Unlikely they will foreclose, because they are in 2nd position and would have to pay off the 1st mortgage. Likely they will get a lien and sit/wait until the home is sold. I suggest to speak with a real estate attorney, most of them will give you a 30 minute free advice. sage mortgage reddit

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How do people afford million dollar homes

Details: Make 200k a year and the mortgage is probably only 20-25% of your net income. That's easy. In CA property taxes are lower than most of the rest of the country, and wages are higher for many careers. Also most of the people living in million dollar homes bought them long ago when they were much cheaper.

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Home Loan Rate Quotes, Information and Discussions

Details: About Community. Your resource for free mortgage rate quotes and informative articles about home loans including all aspects of the home loan application and approval process. Providing an open forum for all mortgage related questions to be asked and answered by real mortgage professionals. 4.0k. Members.

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Mortgage lender : madisonwi

Details: Craig at Wintrust is phenomenal for staying on top of all the moving parts and replies to his emails within minutes 7 days a week - has gotten us through two mortgages with some serious back and forth between the underwriters. 1. level 1. brownsugarsades.

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Mortgage App/Asset Help : personalfinance

Details: The mortgage guy is trying to find some work arounds but I’d figured I’d ask here in the meantime if anyone has any ideas on what we could possibly do. Thanks so much to anyone who can help lead me in the right direction. Edit: I forgot to add that we’ve asked about a transfer of assets to my name but we’d be hit with around 20% on

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Recommendations for Mortgage Brokers : Hamilton

Details: We’ve continued to sabotage our city’s planning in a “I got mine fuck you” attitude for decades. It should be physically impossible, by design, to fire car traffic through the centre of dense city neighbourhoods in rush hour- driving behaviour should be incentivized to the periphery of the city and pushed onto the ring roads.

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Mortgage rate : RealEstate

Details: In Sacramento and my lender just sent me my paperwork for the loan. House is 511K Loan is for 332k at 5.75% interest rate Originator fee is 7.1K 2% of points 6.6K Underwriting fee - 1K Processing fee - 750 Funding fee 200. Is this reasonable? Seems a bit high. Wondering if it's to late to switch as I'm in escrow already. Thanks for the feedback.

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Cosign a mortgage for a relative : personalfinance

Details: Cosigning for her mortgage might impact your future chances to get a loan (12months in US, I think). If (Her mortgage + Your mortgage + other debt payments)/your income is more than approx. 40% (Debt-to-Income ratio), then you might not get a loan. 6.

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Mortgage_Experts

Details: 'Buyers of a median-price home are looking at a monthly mortgage payment that is almost 50% higher than it was a year ago.' The 30-year mortgage rate dips slightly to 5.1%

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Current mortgage rates : PersonalFinanceCanada

Details: Mortgage insurance is an optional product that you pay for, that names the bank as the beneficiary. This product does not affect if you qualify for a mortgage, or what rates you can get. You can choose other insurance products, shop around, increase your work provided coverage, or come back and add this product later.

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Mortgage rate predictions from December 2021 : RealEstate

Details: Lawrence Yun, chief economist at the National Association of Realtors (NAR), forecasts mortgage rates to hit 3.7%. Selma Hepp, deputy chief economist at CoreLogic, predicts rates will be close to 3.4%. Robert Frick, corporate economist for Navy Federal Credit Union says given mortgage rates are closely tied to the 10-year Treasury yield, and

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Fishy mortgage contract

Details: It’s not the mortgage. At the closing process when you actually buy the house and have to sign a ton of documents, the mortgage company does the funding of the purchase (they disburse the money which goes to the seller) and in the pile of documents will be the actual mortgage document. 1. level 1. HiEpik.

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Mortgage Rates for Bad Credit : personalfinance

Details: Only put 5% down. Refinanced in late 2020 to 2.875%. I still owe $384k on my mortgage. Paid $100 for a broker price opinion through my mortgage lender. Figured it’s only $100, might as well take a shot. It worked and they took off my PMI, saving me $65 a month. 2.5k. 481 comments.

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Mortgage Question : exjw

Details: When the halls were given to the WT the mortgage was netted out to zero owed. In regards to the monthly donations from congregates it is a preset amount they give now. To cover monthly expenses and to keep a buffer of a few months ahead. This would be true of each congregation using the hall. 3.

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Best bank to get a mortgage for a co-op

Details: Check out First Republic, we are using them right now. They are covering up to 7k closing costs and are offering the best rate by a mile. They want more NYC based customers it seems, definitely give them a call. So many people vouch for First Republic, I'll definitely check them out.

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Anyone use Zale Mortgage for leads

Details: I'm spending $20/day on purchase lead advertisements and $10/day refi ads. Minimum ad spend is $10/day purchase leads to qualify for money back guarantee. So far, the only lead that's completed a short form did not schedule an appt and has …

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Mortgage : irishpersonalfinance

Details: the transfer by an investor of their investment. Finance Act 2006 introduced the eight-year deemed disposal for all investments that benefited from gross roll-up: that is, investments in Irish funds, investments in life policies and investments in …

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Mortgage question : RealEstate

Details: Powell confirmed. Powell confirmed in an address today what some of us have been saying for a while now. They’re going to be more aggressive with rate increases, the time for cheap debt is coming to an end. Yet some people still believe that we won’t see 7% mortgage rates this year. Hell, we may even see 8-10%.

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Mortgage Repayment Help : PersonalFinanceNZ

Details: Mortgage Repayment Help. Hi guys, Early stages of looking for my first property with my partner. I've got a question around minimum mortgage repayments. For easy calcs say I take a $500,000 mortgage, at an interest rate of 5% monthly repayments will be $2,083 to cover accuring interest only. What's the minimum monthly spend to take off the

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Is there a better way to hedge mortgage rates than going long 10 …

Details: If I don't know when I'm going to get a mortgage and what the rate will be, I may as well lock in using futures to generate a positive return if rates rise. I'll lose if rates go down, but then I'll have a cheaper mortgage. I was simply wondering if there was a more precise instrument that isn't a rip-off like the 'rate locks' the mortgage

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[NY] When to mortgage shop

Details: LO from a NY credit union here: you should shop around once an offer gets accepted so that you can give the lender the specific details of the upcoming transaction.

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Mortgage renewal options : MortgagesCanada

Details: I'm on my first mortgage (about a year into a 5 year term, 30 year mortgage) and went with a variable where the monthly payment stays fixed but the principle and interest portions adjust with the changes in the rates. As a result, with the interest rate increases, the "number of actual months" has increased from 360 to 400.

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Conditional approval vs final mortgage approval

Details: conditional approval is normal, this means youll need to satisfy your conditions, no need to worry about lawyer conditions, the lawyer will deal with that. firm approval is when income, down payment, everything has been satisfied. your broker should have explained this when they sent you the approval. hope this helps :) 4. level 2. incognitotho.

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Wells Fargo cuts mortgage jobs amid poor outlook : news

Details: The mortgage banking noninterest income came in at $693 billion, down from $1.3 billion year-over-year. During a conference call with analysts, executives said that in the first quarter of 2022, the mortgage market had experienced the largest quarterly decline since 2003, primarily due to lower refinance activity.

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Is buying a home in 2021 with a FHA loan just stupid

Details: It could also mean the home is overpriced. With a FHA loan you know you are getting quality at the right price and some sellers don't like that🤷. FHA has these standards for a reason. A simple exterior paint chip will quickly turn into multiple paint chips, then that will …

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Mortgage deposit amount : irishpersonalfinance

Details: Another mortgage question (did a quick search of existing threads, but didn't anything dealing with this specific topic) - in terms of buying a house with a mortgage, is there much value with putting the maximum possible amount into the deposit (beyond being able to afford a more expensive home, or potentially it being looked on more favourably by the bank)?

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Jumbo Mortgage Lender : sandiego

Details: The official subreddit for San Diego California, "America's Finest City", we’re a rapidly growing (over 280,000 strong!) community serving the whole of the San Diego. We also serve the various counties, plus info concerning our sister city Tijuana MX in the sharing of information, opinion and events to bring us closer together in the richness

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How can we successfully buy a home

Details: No, your mortgage approval will not carry over to a different state. It is primarily based on your income and down payment, and partially affected by local costs that could be different like tax rate, closing costs, and insurance prices. But NYC is higher than most areas in those local costs. So if your income stays the same you will generally

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Recommendations for Mortgage Brokers/Banks in BROOKLYN

Details: See title - starting the process of getting pre-approval for buying, but with everything going on don't know if we'll realistically be approved for anything that would buy a condo since I do contract work, and I've been told banks don't see that as steady income. Would love any recs for mortgage brokers in Brooklyn.

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