NY is SLOW and you need to call everyday to get the ball moving.

Originally posted by @Daniel Mears:Be glad they didn’t just swing a ball bat at the thing .

Collecting some amount of pet fees like you did puts you ahead of the 8 ball.

Itll also be a good time to vet your agent if he gets annoyed with you potential 'low ball' offers.

Start educating yourself now rather than waiting for problems to pop up and starting off behind the 8-ball.

Lastly if you look at a settlement statement I I look at a lot of them as stated at least 20 a month.. when people refi to pay me off their cost of loans is always at least 4k in fee's junk fee  points other service and review fee's to the lender the lenders MUST bring in 4k per file to stay alive so you can have the guys/gals that low ball on points but junk fee it up at the closing table  ..

A subsect to can put you behind the 8 ball if you try to get another mortgage.   

It's unfortunate that the hardest part of building wealth is at the beginning when you're trying to get the ball rolling and have the least experience. 

Also, and I'm about to read between the lines a bit and speculate, this part could be inaccurate depending on how my crystal ball is functioning today: Yes, it's also true that >6 financed properties may have a hit, and if your LO doesn't have a lot of experience working with REI, they might not have known or checked for that on the front end.

If rates are in the mid-4s and trending up and it appears that the era of historically low rates is coming to close (as many thought it was, in 2018, due to all the crystal balls being out of operation at the time), then "I better get mine now before it's too late."