Real estate question. With Porn

[850credit]

I want to do a cash out refinance for 50k.

Trying to get 3 quotes to shop around

Pennymac
Rocket mortgage
One local lender

Where can I find the latest cash out refi apr and I interest rates?

Anything I type in sends me to lenders to get a quote from them rather than showing me today's rates.

And porn updating in a sec for your trouble

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[PsiBorg]

You may have to call them to get the quote. They'll want to know what state your in.

 

[daTiger]

cash out refi rates - Google Search

 

[Maweriman]

Unless you don't like them -- get a quote from your present mortgage holder 1st --since you already have a relationship with them.

 

[850credit]

I guess I was thinking the government sets the rate so it would be the same on a given day no matter what lender you use.

But I guess that's wrong and the lender can charge whatever?

 

[Maweriman]

I guess I was thinking the government sets the rate so it would be the same on a given day no matter what lender you use.

But I guess that's wrong and the lender can charge whatever?

Re: "... the lender can charge whatever?" True! Although the FHA caps some loan costs -- fees -- costs -- Pts (prepaid interest) vary widely with conventional lenders who have to disclose them to buyers. Smart buyers get a GFE ("good faith estimate") from various lenders so that they can compare costs of loans!
Most reputable mortgage lenders will provide buyers with a GFE without the buyer signing on the dotted line!
If a lender hesitates to do so -- cross them off the list!

 

[850credit]

Re: "... the lender can charge whatever?" True! Although the FHA caps some loan costs -- fees -- costs -- Pts (prepaid interest) vary widely with conventional lenders who have to disclose them to buyers. Smart buyers get a GFE ("good faith estimate") from various lenders so that they can compare costs of loans!
Most reputable mortgage lenders will provide buyers with a GFE without the buyer signing on the dotted line!
If a lender hesitates to do so -- cross them off the list!

Thanks for this. How many quotes should I get?

I heard you can mortgage shop and only one counts as a hard pull of your credit if it's within 6 months.

 

[850credit]

Rocket charged my card 500 and said they give it back at closing but if you don't go with them or close in 30 days they keep a portion of it. Not sure if they all do that or what.

 

[Maweriman]

Rocket charged my card 500 and said they give it back at closing but if you don't go with them or close in 30 days they keep a portion of it. Not sure if they all do that or what.

Rocket -- like most lenders -- want to charge upfront for an appraisal which 99.9% don't refund if you don't get the loan. However --they will apply it to your costs at closing. They want to ascertain the loan-to-value ratio -- otherwise it's a waste of time!
But if you know that the equity/value of the house meets the loan-to-value ratio -- you should be able to get a GFE (good faith estimate) without paying for upfront appraisals. You and Zillow or Redfin can do for free what lenders want to charge for before giving you a GFE.
How to figure loan-to-value? Add the balance of your mortgage -- say $40K to what you are trying to borrow $50K -- divide that total by the Zillow or RedFin $$value$$. For instance -- $90k divided by say $450K = 20%! Your loan-to-value ratio is 80% which is good for most lenders.

 

[850credit]

Rocket -- like most lenders -- want to charge upfront for an appraisal which 99.9% don't refund if you don't get the loan. However --they will apply it to your costs at closing. They want to ascertain the loan-to-value ratio -- otherwise it's a waste of time!
But if you know that the equity/value of the house meets the loan-to-value ratio -- you should be able to get a GFE (good faith estimate) without paying for upfront appraisals. You and Zillow or Redfin can do for free what lenders want to charge for before giving you a GFE.
How to figure loan-to-value? Add the balance of your mortgage -- say $40K to what you are trying to borrow $50K -- divide that total by the Zillow or RedFin $$value$$. For instance -- $90k divided by say $450K = 20%! Your loan-to-value ratio is 80% which is good for most lenders.

You know your shit.

So I'm taking cash out to use as a downpayment on a duplex. Gonna section 8 it.

If that goes well I want to use the funds for a downpayment on a larger place like a quadplex and keep leveling up to apartments.

I already have a duplex for investment but this is my first investment purchase under my name. Eventually wanna put it in a business name but I need to move on it before someone else gets it now.

 

[Princenubian]

I want to do a cash out refinance for 50k.

Trying to get 3 quotes to shop around

Pennymac
Rocket mortgage
One local lender

Where can I find the latest cash out refi apr and I interest rates?

Anything I type in sends me to lenders to get a quote from them rather than showing me today's rates.

And porn updating in a sec for your trouble

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Xtits - Tits Free Porn Videos and Free Porn Pictures

www.xtits.xxx

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Jun 22nd 2023

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www.3movs.com

My ultimate deepthroat whore gagging on me 2.0

Epic GFs has the place to find amateur content, fresh porn models and lots of onlyfans leaks

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https://upornia.com/videos/5726411/no-mercy-for-her-throat-kate-koss/?promo=31134

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