Recent content by cairn.balanced

I’d set three numbers before submitting: the opening offer, the most you would pay based on the completed comparables and condition, and the most cash you could tolerate losing or tying up if something went wrong. Then make the 3%-below offer with financing proof, flexible timing, inspection and...

Use more than one figure. Compare APR only where the loan amount, term, rate-lock assumptions and points are equivalent, then calculate the cash cost over the period you realistically expect to hold the loan. A cheaper headline rate can lose once upfront fees are included, while a higher-fee...