Couple months ago I started the home shopping process and went with a lender that was highly recommended by a family friend and fellow VA loan customer. My lender seems very used car salesman and I get the feeling he gets his money either wholly or partially based on the interest rate he writes or total dollar amount. He seemingly consistently is quoting me higher percentages than other lenders or trying to sneak points buy downs into my deals/quotes without telling me and I don’t find out to until I look at the loan estimate.The very first house I put an offer in on he quoted me something like 6% but my closing cost was over 30k. Turns out he was having me buy down one point at 1% of my mortgage ($7,500) without even telling me, and was assuring me it was a pretty standard deal. He said if it was a problem he could get me 6.25% without points.I went ahead and got another couple of quotes that same day from my actual bank and another lender and both came back at 6.0% with no points. I went back to tell him I was going with another lender and he threw this huge dramatic bitch fit in the group chat with the lender and said he “could make it happen but I would be taking food of my table”. He came down to 6.0 but the deal fell through Just last week I submitted an offer on another house and he quoted me 5.7 on Monday, we locked at 6.0 on Thursday or so (“the rates changed”) and then when that didn’t work out and I inquired about current rates on Monday of this week while scoping out another property he quoted me 6.125% if I wanted no points.I immediately went to his own website and watched his latest rate update video (-8 hours old) and he was advertising 5.822%. When I asked he said the rates had fluctuated. I immediately called another lender and was quoted 5.75% and they told me the rates have been steady the last few days like about a week. So what’s up, is this guy just a con artist or something?
quit being antisemetic
>>61025408He's lied to you multiple times, why are you still with him? You like being a cuck?
>>61025408>rates have...fluctuated!If I were you, I'd immediately told him "Fluctuate my balls, you big peace of lying greedy little shit" as I'm turning 360 and leaving his office to never return
>>61025582Nope I don’t, I’m just ignorant truthfully. He took advantage of me being an uninformed dumbass and first time shopper. But I’ve been studying up on everything and I think I’m gonna walk.
NO TAX ON AMERICAN CRYPTO PERIOD
>>61025681youre a retardgo to a different lender who will give you 5.75%dont give your current schlomo a chance
>>61025408Did your goyscore go down every time they quote you for a mortgage?Some faggot kept asking me for more and more information and it ended up not working out.Not only did he waste my time and steal my data, my credit score got dinged too.Fuck those morons.
i'm getting offered 6.5 on a 30 year WITH buydowns, where should I get a quote from to get lower? I can't get a VA loan unfortunately
Anything above 4% is bad debt.
