I know there are several lenders on this board, so I thought I'd start here.

When my wife and I purchased our home in early 2020, our mortgage was just outside of the conventional loan limit. Our primary lender, instead of doing a jumbo, recommended a secondary small loan at a worse interest rate.

With the conventional loan limits increased, I'd like to explore the option of a refi to combine both into a single conventional, and possibly bring down the interest rate a bit more. Not sure if the math will work out or not for it to make sense, but that's why I'm here.

Any recommendations?

I have been in mortgage for 20 years and helped hundreds of Texagsers. Be happy to run numbers. I'll also tell you if you should not do anything. My contact info is in my profile.

Steve

Happy to help. 36 years in the mortgage biz. Class of 84.

Rpm-mtg.com/bbazar
Nmls1969754

We have been the title sponsor on the real estate board for 14+ years and would love to give you a quote to try to earn your business. My email is my screen name here.

Anyone offering lender credits?

Anyone can do a lender credit. All that means is you are taking a higher rate then you other wise would qualify for in return for less costs. We do ZERO closing cost loans all the time. Sometimes it makes perfect sense if you will only be in the home a short time or even if you are not sure. But, if you plan to own the home for a while (how long depends on your numbers) it might more sense to pay the costs.

and thank you Keeper!

Lots of great lenders on the board. I would be happy to help in any way I can. Feel free to reach out any time with any questions you may have.

Bbailey@gomycity.com

https://mycity.mortgage/brian-bailey/

Knew the board would pull through. Thanks y'all. Will reach out with specifics.