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  1. Hey Everyone! Looking at buying a car in the next 30 days. The world is pretty much back open. Well...it never closed here in Atlanta, GA where I'm at but still lol. With things opening back up I am back in the office working and need to get a vehicle. I was able to hold off with working from home when my last clunker gave out on me. I got a pre-approval from Capital One. They verified my info via pay stubs and pre-approved me for a car up to $55k. Of course, I don't need anything that expensive. I have a charge-off/repo from over 24 months ago now. No late pays or other derogs since then. Cap1 has a variable interest rate for me depending on the car price and age. Ranging from as low as 10.75% for a new car or 15% for older cars...For some, I know this is super high but my FICO 8 is barely 600 right now last I saw. Is there any other good placed to get a prequalification to try and find a better rate via a soft pull? Also, does anyone know the typical FICO to qualify with NFCU for an auto loan? I have them for checking, savings, and a credit card right now. More details on my credit profile can be found here... My Credit Profile & Updates
  2. Short Answer: It saves you a lot of money According to a recent research from Freddie Mac, the average borrower could save $1,500 just by getting one extra rate quote when applying for their mortgage. With five quotes, they could save $3,000 or more. Wow, so I should really do it. But how exactly should I do mortgage shopping? Preparation: Estimate your mortgage rate There is an old Chinese saying from The Art of War that “If you know your enemies and know yourself, you will not be imperiled in a hundred battles.” That’s exactly why this step matters. Having a rough idea of what interest rate you can expect is crucial for you to play well in this game. There are many factors that determined your interest rates including base rate (update daily), loan amount, location, LTV (loan to value ratio), credit score, house type (single family vs condo) etc. So to help yourself estimate, you can talk to your friends who have done mortgage recently and ask about their rates and how they get them. There are also some anonymous mortgage reporting site (such as rate.exposed) to get more data point. Keep in mind the best way to estimate your rates is comparing with people with similar cases. Now, let’s pick up the phone and start dialing You can follow the steps here: Call 5 lenders, ask them to quote and write the numbers down Find the best quote from the 5 lenders, let’s call it lender A Call the rest 4 lenders again asking them to match (or even beat) the quote from lender A. If you get a quote better than lender A, go back to step 2 and step 3 to call the rest to match Until the number can’t go lower and the rate is within your expectation. Extra Tip 1: Ask for special program Different lenders have different promotional program. For example, Wells Fargo has relationship discount where for every $250k asset you move to WF bank account, you get your rate reduced by 0.125%. You might just save yourself $10k but just a simple ask Extra Tip 2: Credit Hard Pull Many people are worried about hurting the credit scores by having too many lenders hard pull your credits. In fact, if you do them within a short period of time, multiple credit inquiries will combine to count as only one. Also, if you know your credit score in advance, you can simply just ask them not to pull and tell the lender the number. That should be more than enough for lenders to come up with a quote for you. Extra Tip 3: Pay attention to fees Some lenders do the trick to lower your interest by increasing some less obvious fees including closing costs, points, etc. So whenever you get a mortgage quote, always look at the full picture before making any decision.
  3. Most of the ad language reads about the same across the nation, but can't find these answers. Have the prices of the cars been raised to accommodate that deal? Do you know if they include early pay off penalties? Thanks
  4. I have a friend willing to co-sign a loan for me. I am looking at the $12-$15k range for the loan. I don't want to do too many hard pulls, so I am going to try to get pre-approved. So, my question is should I try to get pre-approved from my personal bank (Wells Fargo) or go with one of the specialty lenders like CarFinance.com or Auto Credit Express?
  5. https://www.autodealertodaymagazine.com/353798/black-book-warns-of-seasonal-depreciation-in-october-report?utm_source=email&utm_medium=enewsletter&utm_campaign=20181105-NL-ADT-Enews-BOBCD181030013&omdt=NL-ADT-Enews&omid=1000693576 FYI.......... No paywall.
  6. https://www.quora.com/When-you-buy-a-used-car-from-a-dealer-how-do-you-discover-the-lowest-price-the-dealer-will-take No paywall. I thought this was interesting.
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