@girlonmission wrote:
@StartingOver10 wrote:Personally, I am glad you are going to a new lender. 5.25% for a home that is a resale with no lender contribution is high.
I personally think the title fees were above market too - especially since you are relatively close to me, I'm in Palm Beach county, the other side of Fl.
The lender does not choose the title company. Take a look at your purchase and sale contract. Either the seller chooses (if they pay for it) or the buyer chooses - and then the buyer pays. Your contract will indicate who chooses and who pays. Speak to your Realtor.
Hi Neighbor,
I was in boca last week. My little cousin is looking into FAU. I have lots of of family in ft lauderdale and miami. In fact i just moved a year ago from Davie.
I am going to have my realtor look it.
my old LO came back with the following: Based on current market conditions, lowest available FHA rate is 4.50% with a 622 mid qualifying credit score. This rate/payment is $123 less per month.
Why didn't he do a whole new worksheet (at least)? I think he was/is taking advantage of you. Or the lender he is afliated with has more restrictive guidelines.
I am glad you found MyFICO where you get input from everyone all around the country. You don't have to use anyone local. Use the lender that has the best program with the best rate + closing costs for you - compare both.
PS I love the Naples area 
Just absolutely beautiful place...
@Anonymous wrote:Are you looking at the rate or APR?
It was the rate and its been addressed.
@girlonmission wrote:Yes, naples is very pretty. I am from here. I in 2009 and moved around the countries with the defense company I was working for. I moved back to Naples because parents are getting old and my kiddo wanted to be closer to family.
The house I got is next to the golf course. I lost a house earlier in the month, it was on golf course. Because my previous lender would not provide a preapproval letter, only qualification, she said it was against the rules and she could lost her license.
the new house is in same street but I don't have the goft course for my back yard, but I do have a lake. so you are welcome to come for a visit.
^^^ Would love to visit! Sounds like you are getting a beautiful home in a great location. I hope you find the right LO to work with so you get a good loan
