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Mortgage and Pre-approval Questions

Were FTB and we want to make an offer on a house but we need a pre-approval. The agent referred us to a lender to get pre-approval but they aren't doing jumbo loans anymore. I tried to go online but all I found were essentially lead gen sites that wanted my info to sell. I'm frustrated. Can anyone recommend a route for getting pre-approval that you have personally used?

If it matters this is a 1.2m house for which we're getting a 750k mortgage (the rest will come from cash and a margin loan). We could pay cash but want to take advantage of the low rates, mortgage interest deduction and the ability to leave more cash in the mkt.

Also I'm in an usual situation because I have a good amount of assets ($4m) but I have a credit score of 720 and an income of $200k (plus a variable bonus). I don't use a ton of credit and I have never had a student loan or mortgage before. Is there any possibility for me to get a competitive rate like 2.8% or 2.9% without a 740 credit score?

submitted by /u/rcrcrcrcrcrcrcrcrc
[link] [comments]

source https://www.reddit.com/r/RealEstate/comments/ijyum5/mortgage_and_preapproval_questions/
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