Need Good Lender - less closing costs

[charygaru]

9 minutes ago, dalapathi said:

thanks re dalam

[charygaru]

7 minutes ago, Bestguy said:

how much is your loan amount??? entha down chesavuu??

350K loan amount 93K down 

[charygaru]

7 minutes ago, chicchara said:

maaki kirikiri.. 10 year loan antey... 500k illu antey 5-6k permonth mortgage antey income 300k per annum.. 

kiraak bro nuvu

10 yrs loan kaadu man 10 yrs varaku 3% 5-6 k kaadu 2100-2200 anthe iga jeetham gurinchi enduku aduguthav le inka 80,000 K ki 500 takva ne osthunnai 

[Bestguy]

2 minutes ago, charygaru said:

10 yrs loan kaadu man 10 yrs varaku 3% 5-6 k kaadu 2100-2200 anthe iga jeetham gurinchi enduku aduguthav le inka 80,000 K ki 500 takva ne osthunnai 

you need to mention 10 year ARM ani..But good deal still..10 year antee evryone thinks the smae..

[dalapathi]

2 minutes ago, charygaru said:

10 yrs loan kaadu man 10 yrs varaku 3% 5-6 k kaadu 2100-2200 anthe iga jeetham gurinchi enduku aduguthav le inka 80,000 K ki 500 takva ne osthunnai 

Kashtakalam lo aadukundi ani pay takkuva ayina inka ade job chestunanva  

[vikuba]

3 minutes ago, charygaru said:

10 yrs loan kaadu man 10 yrs varaku 3% 5-6 k kaadu 2100-2200 anthe iga jeetham gurinchi enduku aduguthav le inka 80,000 K ki 500 takva ne osthunnai 

aapu nee mosali kaneellu.. congrats on the house. VA or MD?

[vikuba]

Just now, dalapathi said:

Kashtakalam lo aadukundi ani pay takkuva ayina inka ade job chestunanva  

abdul kalam poina... hurricane kaalam vachina.. nuvu maatram seat vadhulthalev kadha

[charygaru]

6 minutes ago, Bestguy said:

you need to mention 10 year ARM ani..But good deal still..10 year antee evryone thinks the smae..

nenu peddaga sadukoledayya 

[charygaru]

7 minutes ago, dalapathi said:

Kashtakalam lo aadukundi ani pay takkuva ayina inka ade job chestunanva  

yes yuvaraanar  

 

ayyina kuda kottavi sadukoni nerchukoni vere job kotte antha telivi dhairyam satta levu naaku 

[charygaru]

8 minutes ago, vikuba said:

aapu nee mosali kaneellu.. congrats on the house. VA or MD?

asusual ga MD lo ne

[charygaru]

8 minutes ago, vikuba said:

abdul kalam poina... hurricane kaalam vachina.. nuvu maatram seat vadhulthalev kadha

unless veelu kick chesthe tappa inko ujjogam ethukunta ane nammakam naakaithe ledu 

[iddaritho]

I locked in at 3.875 for 30 years , only 5 % down , but he waived the PMI , total 6 K Closing cost including home owner insurance for 14 months and tax for 6 months in escrow and lender gave only 500 credit. I felt foolish as the rates were 3.75 when i thought to close , but it went up to 4 and i got scared and closed at 3.875 , No point though. This is in minnesota , 

My friend closed at 3.00 in Iowa but no down , he took loan for the amount of downpayment for 3.4 , lucky guy brought a house for 350K in desmoine. 

[Bestguy]

2 minutes ago, iddaritho said:

I locked in at 3.875 for 30 years , only 5 % down , but he waived the PMI , total 6 K Closing cost including home owner insurance for 14 months and tax for 6 months in escrow and lender gave only 500 credit. I felt foolish as the rates were 3.75 when i thought to close , but it went up to 4 and i got scared and closed at 3.875 , No point though. This is in minnesota , 

My friend closed at 3.00 in Iowa but no down , he took loan for the amount of downpayment for 3.4 , lucky guy brought a house for 350K in desmoine. 

You might have gone for ARM..As you didnt got credit anyway. from lender.ARM lo lenders credit emi ivvaru..ARM 3.125 ala vastundhi..anyway PMI ledhu kabatti better deal i think..You cna refinance any time in future dont worry abt it..

[iddaritho]

3 minutes ago, Bestguy said:

You might have gone for ARM..As you didnt got credit anyway. from lender.ARM lo lenders credit emi ivvaru..ARM 3.125 ala vastundhi..anyway PMI ledhu kabatti better deal i think..You cna refinance any time in future dont worry abt it..

But there will be closing cost for refinance as well right ??? 

[Bestguy]

for 100k loan below info  might be useful to people whoa re closing ..

Loan amount	30 year fixed	20 year Fixed	15 year fixed
100,000	100,000	100,000	100,000
2.500	395	530	667
2.625	402	536	673
2.750	408	542	679
2.875	415	548	685
3.000	422	555	691
3.125	428	561	697
3.250	435	567	703
3.375	442	574	709
3.500	449	580	715
3.625	456	586	721
3.750	463	593	727
3.875	470	599	733
4.000	477	606	740
4.125	485	613	746
4.250	492	619	752
4.375	499	626	759
4.500	507	633	765