Buying A Home
elinrich
member
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
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Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Negotiating with lender
Today our lender sent us initial disclosure docs to sign. There we got to see all the numbers (interest rate, monthly mortgage, etc). I was hoping our mortgage payment would be a little lower. Can these things be negotiated? If so, did you do it? How? Also, how do I know we're getting a good interest rate? The websites I check all vary a bit here and there. We have good credit.
I'm sad to say we never compared his numbers to anyone else's as he works with our builder, offers incentives, and worked with two other friend couples we know. Is it too late now to get quotes from another lender? We are set to close Sept 6.
Re: Negotiating with lender
Ask your mortgage representative how it works is probably the best bet... but also talk to that person about what has been padded in the deal and what hasn't.
From my personal experience, the mortgage person and title company estimated things high. Like my insurance on the place was estimated at $60 per month. Turned out to be $28. There were many things they worked on together as well when the title company came back and said I would be putting XYZ down and I said, no, I was supposed to put ABC down.
In the end, even after they had come back with their "final" draft, when I signed the documents the payment ended up being $40 lower than anticpiated.
my read shelf: