Real-Time Loan Estimates

The cards below show the most recent loan estimates loaded by users on the Reddit Mortgage Broker Rate Quotes Ultra Thread.
These are representative of the types of offers borrowers are getting in the market today.

5.625%
30-Year Fixed
$309,000
Origination -
Points $17,768 (5.75%)
Can't Shop -
Can Shop -
Total Loan Costs $26,983
Closing Costs -
Reddit
First time home buyers
u/Housdc94 Jul 29, 2026
6.375%
30-Year Fixed
$600,000
Origination $995
Points -
Can't Shop $764
Can Shop $4,337
Total Loan Costs $6,096
Lender Credits -($378)
Closing Costs $13,088
Reddit
How does this look?
u/idaho4177 Jul 28, 2026
5.500%
30-Year Fixed
$288,035
Origination $9,891
Points $8,641 (3.00%)
Can't Shop $5,718
Can Shop $1,725
Total Loan Costs $17,334
Closing Costs $21,195
Reddit
First Time Homebuyer - New Build (How does this look)
u/ElectronicMood3018 Jul 25, 2026
6.750%
30-Year Fixed
$296,000
Origination $2,960
Points -
Can't Shop $1,160
Can Shop $2,215
Total Loan Costs $5,725
Lender Credits -$2,500
Closing Costs $10,576
Reddit
Comparing Rates
u/Background-Arm-3813 Jul 25, 2026
6.750%
30-Year Fixed
$332,000
Origination $1,090
Points -
Can't Shop $1,727
Can Shop $2,262
Total Loan Costs $5,079
Lender Credits -($262)
Closing Costs $12,936
Reddit
Help Determining if this is the best option
u/rugbygrl2 Jul 23, 2026
Rate Locked 4.875%
30-Year Fixed - RATE LOCKED
$529,150
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
New construction Home - Is it a good deal?
u/ItsVamsi Jul 22, 2026
7.125%
30-Year Fixed
$452,000
Origination $1,274
Points -
Can't Shop $258
Can Shop $2,080
Total Loan Costs $3,612
Lender Credits -($181)
Closing Costs $17,614
Reddit
Loan estimate- opinions?
u/Practical-Baby-7641 Jul 22, 2026
Rate Locked 6.250%
30-Year Fixed - RATE LOCKED
$314,381
Origination $3,067
Points $1,572 (0.50%)
Can't Shop $1,120
Can Shop $2,045
Total Loan Costs $6,232
Closing Costs $11,912
Reddit
New Construction - Decent Deal with Builder's Credit?
u/throwaway20491984 Jul 21, 2026
Rate Locked 6.125%
30-Year Fixed - RATE LOCKED
$370,000
Origination $1,295
Points -
Can't Shop $1,027
Can Shop $4,453
Total Loan Costs $6,775
Lender Credits -($150)
Closing Costs $24,281
Reddit
Loan Estimate Opinions
u/Cycl0hexane Jul 21, 2026
4.250%
30-Year Fixed
$206,686
Origination $3,106
Points $1,556 (0.75%)
Can't Shop $4,497
Can Shop $2,150
Total Loan Costs $9,753
Closing Costs $14,238
Reddit
First time homebuyer
u/Lucky_Culture_7017 Jul 21, 2026
Rate Locked 6.490%
30-Year Fixed - RATE LOCKED
$388,000
Origination $1,927
Points -
Can't Shop $2,053
Can Shop $3,455
Total Loan Costs $7,435
Lender Credits -$559
Closing Costs $20,276
Reddit
How does this look? First time home buyer.
u/lvcdx Jul 20, 2026
6.125%
30-Year Fixed
$450,000
Origination $2,815
Points $360 (0.08%)
Can't Shop $1,118
Can Shop $2,541
Total Loan Costs $6,474
Closing Costs $15,960
Reddit
Looking for Feedback
u/Famous-Mobile-3657 Jul 19, 2026
6.625%
30-Year Fixed
$310,303
Origination $7,234
Points $5,334 (1.72%)
Can't Shop $967
Can Shop $1,310
Total Loan Costs $9,511
Closing Costs $16,593
Reddit
Is this a good deal? First house conventional loan
u/PetrolheadTorres Jul 18, 2026
Rate Locked 6.500%
30-Year Fixed - RATE LOCKED
$445,621
Origination $1,050
Points -
Can't Shop $965
Can Shop $1,190
Total Loan Costs $3,205
Lender Credits -($1,569)
Closing Costs $3,383
Reddit
30yr fixed Refi
u/quikbilla1 Jul 17, 2026
6.875%
30-Year Fixed
$588,152
Origination $5,036
Points $3,541 (0.60%)
Can't Shop $776
Can Shop $4,701
Total Loan Costs $10,513
Closing Costs $16,265
Reddit
Need opinion on rate
u/Berryberrialis Jul 16, 2026
6.250%
30-Year Fixed
$420,000
Origination $10,850
Points $9,450 (2.25%)
Can't Shop $885
Can Shop $1,840
Total Loan Costs $19,253
Closing Costs -
Reddit
Mortgage Quote for a first time home buyer
u/DUBYAS-ONLY Jul 15, 2026
6.375%
30-Year Fixed
$661,000
Origination $4,205
Points $3,305 (0.50%)
Can't Shop $1,739
Can Shop $0
Total Loan Costs $5,944
Lender Credits -$1,000
Closing Costs $11,394
Reddit
How’s our loan estimate look? 770+ credit score
u/grimmer8 Jul 13, 2026
4.875%
30-Year Fixed
$465,000
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
How does this estimate look? High fees?
u/Cute-Barber Jul 12, 2026
6.250%
30-Year Fixed
$203,512
Origination $2,501
Points $466 (0.23%)
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
Could we get some advice? Is this a good deal with the current ma...
u/Jumpy-Round-4863 Jul 9, 2026
6.625%
30-Year Fixed
$328,932
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
Is this a decent deal? Good/Bad? First time homebuyers
u/Stock-Performer8481 Jul 8, 2026
6.500%
30-Year Fixed
$448,000
Origination $1,452
Points -
Can't Shop $1,011
Can Shop $1,594
Total Loan Costs $4,057
Closing Costs $17,424
Reddit
Loan evaluation
u/thebends22 Jul 8, 2026
6.624%
30-Year Fixed
$424,732
Origination $1,687
Points $599 (0.14%)
Can't Shop $1,269
Can Shop $3,582
Total Loan Costs $6,538
Closing Costs $22,382
Reddit
Is this LE reasonable?
u/Hollidae97 Jul 7, 2026
6.990%
30-Year Fixed
$486,670
Origination $6,422
Points -
Can't Shop $1,338
Can Shop $3,122
Total Loan Costs $10,882
Lender Credits -($3,200)
Closing Costs $34,979
Reddit
First-time home buyers (27F & 27F): Are we getting a good mortgag...
u/Anxious-Mud-7115 Jul 7, 2026
7.125%
30-Year Fixed
$270,000
Origination $1,695
Points $421 (0.16%)
Can't Shop $894
Can Shop $1,415
Total Loan Costs $6,346
Closing Costs $9,684
Reddit
Would this be smart?
u/FatalHrtatak Jul 6, 2026

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