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.

5.952%
30-Year Fixed
$699,999
Origination $1,494
Points -
Can't Shop $206
Can Shop $700
Total Loan Costs $2,400
Lender Credits -$5,344
Closing Costs $8,276
Reddit
1st time Refinancing. How am I doing? Any advice? Refinancing fro...
u/Homeowner-690 Apr 30, 2026
Rate Locked 4.980%
30-Year Fixed - RATE LOCKED
$382,847
Origination $19,856
Points $19,856
Can't Shop $8,198
Can Shop $1,630
Total Loan Costs $29,684
Closing Costs $35,584
Reddit
First time buyers 🥴🤓
u/Used_Noise581 Apr 30, 2026
6.500%
30-Year Fixed
$455,000
Origination $745
Points -
Can't Shop $695
Can Shop $2,534
Total Loan Costs $3,974
Lender Credits -$750
Closing Costs $12,793
Reddit
First time home buyer: how did we do?
u/Free_Republic7007 Apr 29, 2026
4.990%
30-Year Fixed
$448,836
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
New build I bought last year
u/Prettyboy602 Apr 29, 2026
5.990%
30-Year Fixed
$664,000
Origination $0
Points -
Can't Shop $814
Can Shop $6,662
Total Loan Costs $7,476
Lender Credits -($1,401)
Closing Costs $12,830
Reddit
Is this a good deal currently? 5.99% no points, $1400 credit.
u/futureusaf Apr 29, 2026
6.125%
30-Year Fixed
$320,052
Origination $1,860
Points -
Can't Shop $864
Can Shop $951
Total Loan Costs $3,675
Closing Costs $7,734
Reddit
First Time Homebuyer. No Points - 30yr Conventional
u/gosuzbone Apr 29, 2026
5.250%
30-Year Fixed
$492,400
Origination $935
Points -
Can't Shop $697
Can Shop $3,886
Total Loan Costs $5,518
Lender Credits -$50
Closing Costs $11,228
Reddit
How's this refi loan estimate?
u/aarturi0 Apr 29, 2026
3.750%
30-Year Fixed
$363,298
Origination $6,031
Points $4,541 (1.25%)
Can't Shop $7,258
Can Shop $2,822
Total Loan Costs $16,111
Closing Costs $22,479
Reddit
Any red flags? 3.5% down, 1st time buyers both with good credit.
u/Natural_Ad6925 Apr 28, 2026
Rate Locked 5.999%
30-Year Fixed - RATE LOCKED
$511,000
Origination $9,075
Points -
Can't Shop $1,691
Can Shop $4,458
Total Loan Costs $15,224
Lender Credits -($1,596)
Closing Costs $22,338
Reddit
Looking for advice on this loan estimate
u/plantprincesa Apr 28, 2026
5.875%
30-Year Fixed
$400,523
Origination $1,495
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
Is this a good estimate and I been charged rate lock fee . This i...
u/miguelshah Apr 28, 2026
5.490%
30-Year Fixed
$148,167
Origination $1,987
Points $1,987 (1.79%)
Can't Shop $852
Can Shop $0
Total Loan Costs $2,839
Lender Credits -$2,300
Closing Costs $5,850
Reddit
Coming from a 6.25 did you think the fees are too high
u/Wongtong_PR Apr 28, 2026
6.490%
30-Year Fixed
$243,500
Origination $1,095
Points -
Can't Shop $960
Can Shop $1,570
Total Loan Costs $3,625
Closing Costs $3,625
Reddit
Is this a decent quote?
u/Top-Relief-2296 Apr 28, 2026
4.990%
30-Year Fixed
$305,102
Origination $6,839
Points $5,339 (1.75%)
Can't Shop $34
Can Shop $709
Total Loan Costs $7,582
Closing Costs $12,287
Reddit
Am I overpaying for points?
u/Advanced-Investfit Apr 28, 2026
5.875%
30-Year Fixed
$605,000
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
First time home buyer - Does this look good?
u/TheKingston1 Apr 27, 2026
6.500%
30-Year Fixed
$451,250
Origination $3,585
Points $1,945 (0.43%)
Can't Shop $973
Can Shop $2,987
Total Loan Costs $7,545
Closing Costs $15,894
Reddit
Good or bad
u/ThtBriGuy Apr 27, 2026
5.875%
30-Year Fixed
$395,000
Origination $4,362
Points $2,868 (0.73%)
Can't Shop $626
Can Shop $3,887
Total Loan Costs $8,875
Closing Costs $28,051
Reddit
Is this a decent loan estimate?
u/DesignerIll9082 Apr 27, 2026
Rate Locked 6.625%
30-Year Fixed - RATE LOCKED
$368,600
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Lender Credits -$5,246
Closing Costs -
Reddit
First Time Home Buyers. Have Conventional Loan. 6.625% interest r...
u/Svenlardgooseboner Apr 26, 2026
6.290%
30-Year Fixed
$436,500
Origination $0
Points -
Can't Shop $0
Can Shop $0
Total Loan Costs $0
Closing Costs $2,656
Reddit
Quite happy with the low closing cost option. Will refi once/if t...
u/keybored-worrier Apr 25, 2026
6.750%
30-Year Fixed
$212,500
Origination $1,565
Points -
Can't Shop $1,068
Can Shop $2,779
Total Loan Costs $5,412
Closing Costs $12,592
Reddit
Does this look right? My husband 100% p&t
u/Top-Nobody-6512 Apr 25, 2026
6.750%
30-Year Fixed
$212,500
Origination $1,565
Points -
Can't Shop $1,068
Can Shop $2,779
Total Loan Costs $5,412
Closing Costs -
Reddit
Should I continue with this?
u/Top-Nobody-6512 Apr 25, 2026
5.990%
30-Year Fixed
$208,000
Origination $1,330
Points -
Can't Shop $1,036
Can Shop $1,110
Total Loan Costs $3,476
Closing Costs $8,677
Reddit
Everything seems great…
u/Zestyclose-Ostrich40 Apr 24, 2026
5.625%
30-Year Fixed
$442,500
Origination $5,159
Points $1,659 (0.38%)
Can't Shop $752
Can Shop $2,628
Total Loan Costs $8,539
Lender Credits -$3,316
Closing Costs $12,135
Reddit
Thoughts? Not a first time buyer
u/chantaaal Apr 24, 2026
4.875%
30-Year Fixed
$607,286
Origination $16,247
Points $13,927 (3.94%)
Can't Shop $14,094
Can Shop $250
Total Loan Costs $30,591
Closing Costs $36,790
Reddit
First time homebuyers need advice
u/Straight_Response769 Apr 24, 2026
5.625%
30-Year Fixed
$219,000
Origination $4,138
Points $1,643 (0.75%)
Can't Shop $774
Can Shop $953
Total Loan Costs $5,865
Closing Costs $11,090
Reddit
Refinanced. Not a vet. Not a first time home buyer
u/Ok_Bag_4114 Apr 24, 2026

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