Originally posted by @Jonathan Howard:@Ronnie Lee  which brokerage did you end up going with?

Normally I would remove this post as self promotion- the original poster is a lender.

Originally my research lead me to believe prior to purchasing that I was responsible for past utilities and any liens on the property, but not the mortgage. 

I'm originally from San Francisco and ran into those same issues in 2021 when trying to find properties.

Welcome aboard Katie, I'm originally from Eugene.

Right now, a reasonable estimate is a low double-digits interest rate (say 11%-14% for example) with a few origination points (say 2%-3% for example).

Originally posted by @Eric W Plourde:Hello, First post!

Today you might save 7% annually plus 1%+ on day 1 with origination and if there’s any chance to get even a 1/4th point lower rate with 25% down you’d be getting another 3/4’s of a % on your down payment.

I can offer an attractive interest rate for my borrower that we are both happy with, and zero points to originate the loan - also beneficial for the buyer. 

You can compare it to someone you met having $1M and thinking they must be doing something right, but was originally given $10M.