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.

7.625%
30-Year Fixed
$300,000
Origination $5,068
Points $3,948 (1.32%)
Can't Shop $2,675
Can Shop $2,821
Total Loan Costs $10,564
Closing Costs $13,358
Reddit
Wrapping up construction loan to mortgage
u/Top-Free Oct 5, 2026
6.250%
30-Year Fixed
$300,000
Origination -
Points $19,125 (6.38%)
Can't Shop -
Can Shop -
Total Loan Costs $28,806
Closing Costs -
Reddit
Is builder ripping me off . They advertise 5.25 % but says price ...
u/Outside-Discount8086 Oct 2, 2026
7.625%
30-Year Fixed
$387,992
Origination $970
Points $970 (0.25%)
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs $10,067
Reddit
Any thoughts?
u/SufficientLength9076 Sep 29, 2026
7.250%
30-Year Fixed
$723,212
Origination $7,276
Points $5,786 (0.80%)
Can't Shop $1,430
Can Shop $0
Total Loan Costs -
Closing Costs $28,292
Reddit
What are we missing?
u/nolagirl1217 Sep 25, 2026
6.500%
30-Year Fixed
$342,202
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
Loan Estimate
u/th3-tired-sleepy-vet Sep 23, 2026
Rate Locked 6.375%
30-Year Fixed - RATE LOCKED
$282,727
Origination $2,952
Points $1,318 (0.47%)
Can't Shop $3,676
Can Shop -
Total Loan Costs $8,033
Closing Costs -
Reddit
How is this? First-Time HomeBuyers
u/Due-Maintenance-1788 Sep 23, 2026
6.375%
30-Year Fixed
$339,500
Origination $3,395
Points -
Can't Shop $964
Can Shop $3,241
Total Loan Costs $7,600
Closing Costs $20,827
Reddit
First time home buyer, do numbers look fair?
u/Budget_Eye9900 Sep 22, 2026
4.375%
30-Year Fixed
$253,999
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
First time home buyer. Any thoughts? Builder is Lennar and puttin...
u/pizzle2121 Sep 22, 2026
6.750%
30-Year Fixed
$651,200
Origination $6,512
Points -
Can't Shop $12,433
Can Shop $3,109
Total Loan Costs $22,054
Lender Credits -$13,206
Closing Costs $18,071
Reddit
Help- first time buyer
u/odettita Sep 22, 2026
6.990%
30-Year Fixed
$318,250
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
Are we getting hosed?
u/TiddyDino Sep 22, 2026
6.990%
30-Year Fixed
$446,250
Origination $4,463
Points $4,463 (1.00%)
Can't Shop $850
Can Shop $2,399
Total Loan Costs -
Closing Costs -
Reddit
Looking at a property in Burien
u/BoeingPlaneSpotter Sep 20, 2026
6.990%
30-Year Fixed
$395,029
Origination $10,610
Points $10,610
Can't Shop $1,250
Can Shop $8,177
Total Loan Costs $17,638
Lender Credits -$25,000
Closing Costs $24,086
Reddit
How does this look?
u/SnowResponsible621 Sep 19, 2026
6.375%
30-Year Fixed
$400,000
Origination -
Points -
Can't Shop -
Can Shop -
Total Loan Costs -
Closing Costs -
Reddit
Is this LE any good?
u/LoudCharity4513 Sep 16, 2026
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

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