Watch out for the big common issues with a quote like rate, term, program, down payment, does is carry a PPP (Prepayment penalty) meaning cannot sell or refinance or you pay a 5% fee based on the loan amount.Be aware or Points, Origination fee's, Rate Discount points, turn time to close.

Hi Shahab, This is a great question, sounds like you’re setting yourself up really well for your first house hack.There are some flexible funding programs that can work even before your FICO score appears, especially for income-verified buyers with solid payment history and low utilization.I sent you a DM so we can go over what options might fit your situation and next steps you can take while building your credit.

That mix of disappointment, shame, and embarrassment really stuck with me—but I’m now channeling it into connecting with others so we can be smarter together when evaluating mentorships and influencer programs. 

Options start as low as 3.5% with FHA and 5% down with conventional loan programs. 

I've never paid for any mentorship program, as you can learn the same stuff for free by reading books or building relationships.

As a New MLO, I would focus on a team/brokerage that has a good training program and a lot of different loan programs. 

In all fairness, I have never participated in their mastermind group, but I have been pitched grossly over priced so called education programs from people that spend more time promoting and exaggerating what they’ve done in the hopes of getting a check from me with 5 zeros.

Even with 'AI' lending is still nuanced and an experienced loan officer can help you identify potential pitfalls or conversely eligibility or programs that could make the investment difference.

I heard someone did and get his money during the Rheab he pay for aprizel and then refinance before he finished the Rheab.. ty  It is possible in some cases, but it depends on the lender and the loan program.

I’m debating if I should hire a bookkeeper that’s over seas to transcribe this stuff or if you guys have another program that’s easier to use.