All Forum Posts by: John Hodson

My Credit Union does up to 90% LTV, 30 year fixed for 3.875%. Sofi just offered me just under 3.5, but I think that was a 15 or 20 year - $100k min. I've found Sofi to be pretty easy to work with, FWIW.

Chase has 3.75 with .625 points listed right now. 

 It is my primary residence on a duplex (House hacking duplex). He is a local lender, but I assume he does mortgages at least over the state. I have no idea if he can do out of state, but it is Jeremy Novak, [email protected]

Thanks Joey. I'll make sure it is apples to apples. My current lender did work in those 3 points that adds up to 4.75%. I'm not willing to put down 25% and I already talked through that with said lender.

Thanks Logan! Sure, I'll take any referrals you have. I agree, it is good to shop around. It is good going in knowing I did all the research I could.

Thanks David! I'll ask the bank and see what they say. I don't own any other properties. Much appreciated.

Actually it is a duplex. Not sure if that is still under SFR.

This is a purchase in Indianapolis, so an investment property. Yes, SFR. Loan amount is $100,000. I can do better than 4.75% in most cases. My middle credit score is 750.