Hi All,
My Info: Credit is 753, Salary is $56k, Only $3k in debt (all federal student loans)
I have a new build being built at $312,990. I got lucky with a downpayment gift from family running $140,000. Completely grateful of course. I’m being offered $7000 in seller credits for using the new builder’s preferred lender, but their rates consistently seem high. Not only that, but they have no idea about the MCC tax credit for FTHB. I close late August/early September, but getting in contact with my lender for anything has been hard. I try not to bug them, but they just got back to me about things I asked about months ago. I’m not even sure I can lock anytime soon.
My questions:
Do these closing cost look alright: https://imgur.com/a/iY1baFy ?
Should I look into finding a new lender? The MCC was really what I wanted, but the 7k in credits is incredibly nice.
Anyone familiar with Guild Mortgage? How was buying through them?
Edit: I feel like it seems I’m complaining. I’m willing to suck it up and just deal with my lender. I’m already in a good spot with the downpayment/seller credits. Just trying to do my best to not get shafted.
Thanks.~ : )