Anyone bought recently or in the process of buying a home in NYC? Which lender gave you the lowest rates?

like
Posting as :
works at
You are currently posting as works at

We used TD Bank for a SFH. It was a much lower rate than some of the other ones we contacted (Chase, Rocket mortgage, Wells Fargo)

like

Unfortunately not. Hoping it'll be slightly lower than now (~4.5-5%)

Related Posts

Avoiding US fishes who live in a different reality. How do the london fishes earn (level, company). What % are you able to save monthly?

My own
~10 years total with ~2 years consulting
Pay 100k base + bonus
Realistically saving 40% net take home for house in future

like

How much should i save from my salry for securing post retirement life and all general commitments before that. I'm 30 now. Assume no Inheritance. Current in hand 1.85 lpm

like

Has anyone used Credit Karma to file their taxes? Thinking of using TurboTax this year, but having second thoughts as I filed incorrectly with them last time and had to have a regular accountant fix..

like

How do people afford to buy $1M houses in Chicago? Surely not everyone buying them is rich (which is somewhat of a subjective term). My wife and I are 30 and have a combined income of almost $300k and trying to buy something that expensive seems asinine yet people do it. Am I missing something?

likesmartupliftinghelpfulfunny

Senior manager and associate partner at MBBKOW how comfortable are you in dubai? Can you afford a nice house, car and generally (within reason) not worry about money?

Assume wife works as manager in big 4 consulting

like

Does j2 background check decline you if they see you’re still employed with j1?

like
like

I worked with a Junior AD that skipped college and went straight to portfolio school. I was mad resentful of him at first, mostly because I wish I would have thought of that and saved $100K.

like

Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

like

Does having student loans impact your ability to get a mortgage?

like

Program Manager Healthcare Foundation $85,000. Worth it? Or too low?

like

If I’m selling stock to make the down payment for my primary residence house, is there any way I can limit or avoid some capital gain tax?

like

Can someone teach me how to get rich? Dead serious, looking for a mentor that went from having a slightly above average salary to making a lot of money (and no family money either).

like

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

like
like

I’m loyal to delta, but I’m moving to a city where American is the main hub and Delta has practically no non-stop flights to/from there. It’s time for me to open a new credit card, so I was considering the Citi/American one. Any thoughts?

like

Anyone else into Bank Bonus churning?

like

Tampa lawyers who work downtown: where do you live? Looking to purchase a house soon and am trying to decide between a low commute time (crappier house and a tight move financially) and a longer commute time (nicer house and more comfortable financially). The longer commute time also comes with better public schools, and I want to have kids.

like

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

like

More Posts

can anyone help me with interview questions for Senior QA Engineer in walmart bangalore ?

like

Anyone know how long you typically have to wait to re-apply for a job at Big 4? Friend got auto rejected last month but wants to apply with a referral from me and new resume format

like

Hi guys, is paytm money a good company for product management?

like

Hi all, I am looking for opportunities into AWS for a sysops admin,cloud engineer
Recently my AWS solution architect associate certification got expired and will be completing AWS sysops Associate certification by end of this month Nov 2022
Currently working as network/cloud support

Skill set : AWS EC2, RDS, ALB,S3,SES
Exp : 5.5 years
Relevant exp : 3.5 years
Current CTC : 6 lak
Expected CTC : 14 lak
Pref location : Chennai, banglore

Kindly help me find a right opportunity guys!

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

like

Seems that the vaccine that usually takes more than 10 years to develop, test for side effects and go through the regulation process is being very fast tracked to roll out - which is a super great thing to potentially eradicate the virus. on the other side of the spectrum, people with life sciences n healthcare insights, how reliable and safe would you say vaccine (being fast tracked) is...?

smartfunny

Add a comment with the designation levels in your bank.

like

Taking FAR tomorrow and starting to feel anxious. Any advice?

like

How many pro-bono hours do you bill each year?

Does your firm's bonus structure actually take into account pro-bono hours, or do they just say that without meaning it?

#probono

like

Any good HELOC recommendations?

Ideally 90% LTV, minimal closing costs, desktop appraisal.

like

Hello Verizon fellows, In Deloitte, there's a facility to claim a certain reimbursement for purchasing mobile devices through their portal or something. Similarly, do VDSI employees have any discounts or reimbursement for purchasing devices through Verizon? If so, kindly let me know how to check it out. Thanks in advance.

like

Anyone want to grab a drink? 🏳️‍🌈

like

My Dad has over 28 years of experience in Managing accounts and Finance of various companies. He’s really struggled a lot to get where he is right now. His current company is facing financial difficulties- anyone who can refer him for any Finance and Accounting senior opportunities in Dubai - please help. Literally crying for help.

like

Has anyone on here ever requested redaction of a filed application? I'm looking to redact a few paragraphs of a provisional application.

Deloitte 🐠, are we able to book flights/hotels not through Deloitte travel??

like

Really confused as to whether to incorporate my NY- based makeup startup as an LLC or an S-corp? Not based in NYC if that matters and no revenue yet. Should I be looking into Delaware at all (specifically a Delaware C-Corp) if I do plan on raising capital at some point down the line? Also - for any FDA lawyers out there, what is the problem with developing makeup (specifically foundations) with SPF? I've heard it's "heavily regulated." What do I need to be aware of? Thanks in advance !!

like

What is P4 band in Fis global

like

I have been working the same position for 5 years. But our job title has changed a few time I went from a pre registration rep to a verification specialist during my time there I want to branch out but not sure where to go from here. I have a bachelors in Health Science. 5 years experience dealing with patients, insurance, referral, data entry, etc.

like

I have 2 offers, 1 from LTI Information Technology and other from Dr. reddy’s laboratories ltd DRL . Both offering same CTC. Which one will be better?
Yoe-7
Tech - Data Scientist

Additional Posts in The Real Estate Bowl

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

like

Any good HELOC recommendations?

Ideally 90% LTV, minimal closing costs, desktop appraisal.

like

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

like

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

like

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

like

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

like

Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

like

Got an agent and she was useless for finding good tenants. Got frustrated and finally started finding leads myself and closing on one soon. I have signed a contract with the agent for paying one months rent as fee. How can i fight this or as he has been literally of zero value add? I will ofcourse ask nicely but wanted to see if i have any other options!

like

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place

likesmart

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

like

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

like

Closing on a condo soon. Need to get 1 accent wall painted and one laundry bifold door installed. What’s an average cost to expect for this. I got quotes for 2000$, seems steep. Any recommendations for contractors in chicago area?

like

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

like

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

like

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

like

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

like

Anyone sell to Zillow? Got an amazing offer from them, but naturally my floor decided to start deforming right before inspection. No water damage - I can get someone out here to fix it ASAP, but wondering if it’s worth the hassle. Mostly worries inspector will think there’s water or foundation issues

like

Correct me if I'm wrong but isn't it more advantageous to have low housing prices and higher interest rate? If that's the case, you can always refinance when/if the interest rate lowers again. Is there something I'm not seeing?

like

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

like

Do y’all do 15 year or 30 year for your portfolios? I personally plan to have a “job” or “career” for both the next 15 and possibly next 30 years, so should I just do 15 years to get a free and clear portfolio earlier? 25 year old and just getting started. Have a duplex in a major market (looking to refi out of FHA), and eyeing other opportunities now. I don’t “need” cash flow, so should I try to just build equity?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal