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.

7.125%
30-Year Fixed
$675,000
Origination $0
Points -
Can't Shop $1,512
Can Shop $2,670
Total Loan Costs $5,926
Closing Costs $5,926
Reddit
Asset depletion quote help
u/Ok-Spend-8912 Sep 11, 2026
6.925%
30-Year Fixed
$380,000
Origination -
Points -
Can't Shop $1,620
Can Shop -
Total Loan Costs $422,172
Closing Costs -
Reddit
Is this bad?
u/Kindly-Branch-7514 Sep 10, 2026
6.750%
30-Year Fixed
$504,605
Origination $5,916
Points $5,046 (1.00%)
Can't Shop $2,193
Can Shop $4,400
Total Loan Costs $8,916
Lender Credits -$1,262
Closing Costs $29,461
Reddit
First Time Home Buyer Is My Lender Getting Over
u/FluffyStep2122 Sep 10, 2026
6.875%
30-Year Fixed
$722,500
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
How did I do 750 Credit
u/Alarmed_Paper_622 Sep 10, 2026
7.125%
30-Year Fixed
$124,000
Origination $465
Points $465 (0.38%)
Can't Shop $1,645
Can Shop $3,189
Total Loan Costs $5,299
Lender Credits -$250
Closing Costs -
Reddit
First time buyer 760 score in Ohio is this bad?
u/CriticismFree8098 Sep 10, 2026
6.750%
30-Year Fixed
$504,605
Origination $5,121
Points $5,046 (1.00%)
Can't Shop $2,020
Can Shop $5,120
Total Loan Costs $29,461
Lender Credits -$1,262
Closing Costs $52,371
Reddit
First Time Homebuyer Am I being taken advantage of
u/FluffyStep2122 Sep 9, 2026
6.490%
30-Year Fixed
$418,000
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
how’d I do ? Family member originated loan
u/Turbulent-Training99 Sep 8, 2026
6.375%
30-Year Fixed
$520,000
Origination $1,995
Points -
Can't Shop $1,062
Can Shop $3,773
Total Loan Costs $6,830
Lender Credits -$1,995
Closing Costs $12,795
Reddit
Is this too good to be true?
u/Dinosaurdikslam Sep 5, 2026
6.375%
30-Year Fixed
$506,400
Origination $1,050
Points -
Can't Shop $963
Can Shop $6,793
Total Loan Costs $8,806
Closing Costs $20,228
Reddit
Should I continue shopping around?
u/Paulloon Sep 3, 2026
Rate Locked 6.875%
30-Year Fixed - RATE LOCKED
$423,200
Origination $1,485
Points -
Can't Shop $1,026
Can Shop $3,155
Total Loan Costs $5,606
Closing Costs $8,795
Reddit
Thoughts on broker that my realtor recommended?
u/EricE099 Sep 2, 2026
6.375%
30-Year Fixed
$620,000
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Lender Credits -$942
Closing Costs -
Reddit
Did I do okay?
u/midnightlightin Sep 1, 2026
6.375%
30-Year Fixed
$297,600
Origination $5,000
Points -
Can't Shop $4,793
Can Shop $5,580
Total Loan Costs -
Lender Credits -$1,414
Closing Costs -
Reddit
HELP! First time getting a mortgage. What do you think?
u/Serious_Reference914 Aug 29, 2026
5.375%
30-Year Fixed
$676,433
Origination $1,691
Points $1,691
Can't Shop $1,673
Can Shop -
Total Loan Costs $3,362
Lender Credits -$10,000
Closing Costs $8,068
Reddit
Am I getting a good deal on this $926k new build mortgage?
u/Traditional_Dig_5491 Aug 29, 2026
Rate Locked 7.625%
30-Year Fixed - RATE LOCKED
$467,500
Origination $1,295
Points -
Can't Shop $290
Can Shop $5,272
Total Loan Costs $7,462
Closing Costs $9,818
Reddit
How’re we looking?
u/Financial_Sea3585 Aug 27, 2026
6.750%
30-Year Fixed
$394,250
Origination $2,777
Points $591
Can't Shop -
Can Shop -
Total Loan Costs $4,820
Closing Costs -
Reddit
How this estimate looking?
u/Extreme-Degree6126 Aug 27, 2026
6.125%
30-Year Fixed
$539,200
Origination $21,131
Points $20,387 (3.78%)
Can't Shop $3,504
Can Shop -
Total Loan Costs -
Closing Costs $31,691
Reddit
Am i getting swindled?
u/Not-Bruce-Wayne1 Aug 27, 2026
6.625%
30-Year Fixed
$615,992
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
First Time Buyer - good or bad ?
u/Rb_ib Aug 27, 2026
Rate Locked 6.125%
30-Year Fixed - RATE LOCKED
$468,000
Origination $6,674
Points $379 (1.08%)
Can't Shop $4,559
Can Shop $4,559
Total Loan Costs -
Lender Credits -$4,000
Closing Costs $174,278
Reddit
Thoughts on this ?
u/memes_for_life9999 Aug 22, 2026
5.875%
30-Year Fixed
$425,000
Origination $4,250
Points -
Can't Shop $3,539
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
Is this rate too good to be true?
u/cking960000 Aug 21, 2026
6.875%
30-Year Fixed
$183,658
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
Thoughts about this mortgage rate?
u/Diligent_Treat_7383 Aug 21, 2026
6.375%
30-Year Fixed
$573,000
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
30yr fixed rate conventional
u/Appropriate-Diver555 Aug 20, 2026
Rate Locked 6.500%
30-Year Fixed - RATE LOCKED
$342,000
Origination $2,900
Points $855 (0.25%)
Can't Shop $942
Can Shop $3,480
Total Loan Costs $7,322
Closing Costs $10,217
Reddit
I'm learning a lot. How does this look?
u/Matty_Ice25 Aug 15, 2026
6.750%
30-Year Fixed
$229,500
Origination $5,129
Points $3,166 (1.38%)
Can't Shop $2,392
Can Shop -
Total Loan Costs -
Lender Credits -$3,960
Closing Costs -
Reddit
is this a good deal in today's climate?
u/BurnItDown-A Aug 14, 2026
6.625%
30-Year Fixed
$278,350
Origination $2,637
Points $1,342 (0.48%)
Can't Shop $1,191
Can Shop $1,723
Total Loan Costs $5,551
Closing Costs $13,536
Reddit
How does this look?
u/Willing_Mongoose1810 Aug 14, 2026

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