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Refinancing likely today, what should I look out for?
Posted by KABoss02 on 1/3/13 at 10:39 am00
They have me lined up for an FHA streamline with a 3.75% rate, 30 year fixed, nothing out of pocket. Credit scores with me and my wife are over 800.
Any suggestions or questions I should ask before I sign off and move forward? Are there better rates out there?
FWIW, I plan on rolling the savings plus some back towards the principle to gain equity and pay off faster so I elected to stay 30 year just in case of an emergency to keep our MDO down.
Thanks in advance!
Any suggestions or questions I should ask before I sign off and move forward? Are there better rates out there?
FWIW, I plan on rolling the savings plus some back towards the principle to gain equity and pay off faster so I elected to stay 30 year just in case of an emergency to keep our MDO down.
Thanks in advance!
re: Refinancing likely today, what should I look out for?Posted by LSUSUPERSTAR on 1/3/13 at 11:16 am to KABoss02
Are you being charged PMI? With credit scores like that, you should go traditional loan, although I don't have any other info to get more specific.
re: Refinancing likely today, what should I look out for?Posted by Chris4x4gill2 on 1/3/13 at 11:17 am to KABoss02
I havent been shopping rates, but 3.75 sounds high.
Local Credit Union is listing down to 3.375 for 30 yr and 2.75 for 15 yr.
Make sure your getting the best rate you can.
Local Credit Union is listing down to 3.375 for 30 yr and 2.75 for 15 yr.
Make sure your getting the best rate you can.
re: Refinancing likely today, what should I look out for?Posted by lsu tigerdog on 1/3/13 at 11:26 am to KABoss02
3.75% is high..fha streamline with no appraisal is at 3.25% to 3.375%.
when did you purchase your home, month & year
when did you purchase your home, month & year
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re: Refinancing likely today, what should I look out for?Posted by KABoss02 on 1/3/13 at 11:27 am to LSUSUPERSTAR
Yes, being charged PMI. I though about going conventional but want to hang on the cash we have for right now.
re: Refinancing likely today, what should I look out for?Posted by KABoss02 on 1/3/13 at 11:28 am to lsu tigerdog
quote:
3.75% is high..fha streamline with no appraisal is at 3.25% to 3.375%.
when did you purchase your home, month & year
August of 09. I have gotten two qoutes from different lenders and they were almost identical with minor difference in up front cash to take rate down.
re: Refinancing likely today, what should I look out for?Posted by CajunAlum Tiger Fan on 1/3/13 at 11:19 pm to KABoss02
Pentagon Federal all day long!
re: Refinancing likely today, what should I look out for?Posted by wegotdatwood on 1/3/13 at 11:21 pm to CajunAlum Tiger Fan
quote:
Pentagon Federal all day long!
How does that work out of state?
re: Refinancing likely today, what should I look out for?Posted by CajunAlum Tiger Fan on 1/3/13 at 11:30 pm to wegotdatwood
It doesn't matter where you are located. You can either start the process online or give them a call to ask any questions. I first found them when shopping for a truck. I joined the credit union, funded my account with $100, applied for the car loan, and it was approved in about 15 minutes. The check was on my front porch via fed-ex the next day - 1.49% for 60 months, better than any dealership by far.
I'm starting on the Mortgage next week - 10 year @ 2.5%, 2.8215% APR.
I'm starting on the Mortgage next week - 10 year @ 2.5%, 2.8215% APR.
re: Refinancing likely today, what should I look out for?Posted by yellowfin on 1/4/13 at 7:19 am to wegotdatwood
quote:
How does that work out of state?
Everything is online, doesn't matter where you live
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