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It seems less and less possible to estimate a payment anymore. My favorite lender emails me a list of rates daily - nice little chart with VA FHA and Conventional. 5% Conv seemed awesome compared to what I expected. So I called Nate and asked who gets 5%....? It turns out that 5% goes to a single guywith perfect credit, huge down pmt, and a 30 day lock in. What about 60 day lock... that's 3/8 of a point more. What about 90 day lock....that's 1.125 points more. What about 15% down pmt...that's a higher rate.... What about 10%, 5%, 3%....more more more. What about 800 … (0 comments)
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