I found this post on a higher activity sub and thought I'd answer it. This was done 11/26/2025 and I'm scheduling this out.

This person's current loan estimate looks like this:

• Conventional loan
• 3% down
• $320,100 loan amount
• $330,000 purchase price
• $427.98 property tax monthly payment
• $150 HOI estimate
• 6.125% interest rate
• 0.307% in discount points
• 780 credit score

For starters, page one is the outline of the mortgage.

Page 2 has the itemized fees.

Here are tips on how to compare offers.

The gist is you'll want to compare the same rate with the same lender, and then compare sections A, B and J

Here are the rates I'm seeing considering these same loan factors, and assuming the purchase is in Utah. (it isn't, because property taxes aren't that high in Utah, but let's pretend)

6.125% (6.554% APR) with some lenders I'm seeing would come with a $1,601 lender credit rather than a discount fee.

This would save the borrower about $2,500

A tip to get better costs

If you make less than 80% AMI (find the AMI in your county here) then the rates would be even better.

If that were the case, the lender credit would increase to $2,800 saving the buyer $3,700

Here are tips on getting a lower rate on your mortgage.

This isn't a loan offer, but because I quote a rate and costs, I need to disclose my NMLS ID

Samuel Thompson NMLS ID 1052267

UT,AZ,CA,CO,TX,FL