I know this is not like any other trade deadline, but still a pretty stark difference between Luhnow and Click. Did we ever do ZERO when Luhnow was here?
Origination is 1%. $250 processing $225 underwriting $300 closing coordination $395 loan delivery Rest is third party fees (with the two title insurances being the biggest chunk) and tax prepay/escrow.
I got a worksheet with a bunch of line item costs on it. I assume you are asking about the percentage of the loan amount that is listed as 'origination cost"? There are a bunch of other fees there too.
Our current lender (we are selling and house is under contract) pre-qualified us for 30 year fixed jumbo at 3%. Said we couldn't lock until under contract. That sound about right or should I be shopping around?
Well it is only $2k for a small entity and $1k for a micro entity. I have used Track 1 to: 1. Get continuations issued quickly and proliferate a patent portfolio that is already in litigation, licensing discussions, or being subjected to PTAB review. 2. Build a patent portfolio quickly for an earlyish stage company. 3. Accomplish specific business strategy goals where deadlines were being imposed by prior agreements (think cross-licensing and other scenarios that could "expire").
You are basically guaranteed a first action in 3-5 months under Track 1. You more or less pay the cost of an OA response to skip the backlog, which can be 2-3 years in some art units. The reason the first OA is guaranteed in that time is because Track 1 buys you a final disposition (allowance or FINAL OA) within a year of filling. If anything, the "special" treatment given under Track 1 is a good thing for patentees. And it isn't like the old expedited examination option where you had to submit the dreaded document to the USPTO explaining differences with the prior art in your IDS.