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Started By
Message
Mortgage rate outlook for July?
Posted on 7/3/15 at 11:54 am
Posted on 7/3/15 at 11:54 am
30 year fixed, conventional with 5% down, closing on July 24.
With lender waiving fees and a few points I pulled a 4.6% this morning, but not all investors were online due to the holiday.
I havent locked, but is there a chance that it will go closer to 5 towards the end of the month?
I am fine with the quote this morning, but I just dont want to lose out on it since it is obviously not THAT great, but works well for my situation.
With lender waiving fees and a few points I pulled a 4.6% this morning, but not all investors were online due to the holiday.
I havent locked, but is there a chance that it will go closer to 5 towards the end of the month?
I am fine with the quote this morning, but I just dont want to lose out on it since it is obviously not THAT great, but works well for my situation.
This post was edited on 7/3/15 at 11:56 am
5
Posted on 7/3/15 at 12:26 pm to Polar Pop
Is your credit score below 700?
I just priced a 4.25% with no points. 30 yr fixed.
I just priced a 4.25% with no points. 30 yr fixed.
This post was edited on 7/3/15 at 12:27 pm
Posted on 7/3/15 at 12:45 pm to SomethingLikeA
What the heck is a 740 cs with 20% down 30yr fixed hitting at right now?
Posted on 7/3/15 at 12:55 pm to HamCandy
I got 4% with 20% down on a conventional 30 year fixed today. No idea what my credit score is, but I assume it's good considering no debt, never had a balance on the only credit card I have.
Posted on 7/3/15 at 1:12 pm to SomethingLikeA
quote:
Is your credit score below 700? I just priced a 4.25% with no points. 30 yr fixed.
I have 750, wife has 804
I am ignorant to most of this process, but there was something with me putting 13k down, that would get me the 4.6 and save me $5200 out of pocket.
If I chose to pay the $5200 extra out of pocket it would drop to around 4.3 and have me putting 15,200 down
This post was edited on 7/3/15 at 1:17 pm
Posted on 7/3/15 at 1:56 pm to Polar Pop
Sounds like a lender loan.
4.6% sounds a bit high, but rates are slowly going up.
4.6% sounds a bit high, but rates are slowly going up.
Posted on 7/3/15 at 6:24 pm to Polar Pop
I got a 3.625% 30 yr mortgage loan in May, credit score was 740 and I put zero down.
This post was edited on 7/3/15 at 6:25 pm
Posted on 7/3/15 at 8:53 pm to 13SaintTiger
Well ill be damned.
Posted on 7/3/15 at 11:00 pm to Polar Pop
3.375 in April with minimal down. Rates are slowly going up. Wife and I both had > 780 credit scores
Posted on 7/4/15 at 2:18 am to Polar Pop
neither my wife nor I have a credit score above 699. We got a 3.25 two years ago. If you have a good mortgage broker, you can get a good rate with imperfect or really just fair credit.
Posted on 7/4/15 at 9:14 am to ragacamps
Interest rates were extremely low 2 years ago. The guy who just got the 3.6 a month ago with 0 down either did a VA or is pretty poor and did the program people making above 60k as a household can't do. Rates are going up and I expect them to reach 6 by years end unless the economy collapses again which is very possible.
Posted on 7/5/15 at 11:00 am to tigerbacon
quote:
The guy who just got the 3.6 a month ago with 0 down either did a VA or is pretty poor and did the program people making above 60k as a household can't do.
Or me and my wife make $100k+ and that's the rate I was locked in for.
Posted on 7/5/15 at 1:07 pm to 13SaintTiger
Just curious if you signed an ARM because 3.6 is by far the lowest I have heard of in May of this year.
Posted on 7/5/15 at 2:17 pm to AnonymousTiger
No I didn't sign a ARM and here's a thread to reference others who have gotten close to the same rate and some even under in the past few months LINK /
Posted on 7/5/15 at 3:23 pm to 13SaintTiger
Damn, wish I could find something close to that now.
Posted on 7/5/15 at 9:27 pm to AnonymousTiger
I'm locked at 4.25 for 30 yr fixed, 760 fico, 5% down
I locked roughly a week ago, thought about holding off and seeing what the Greek mess did with the mbs market and hoping to go lower but decided not to.
I locked roughly a week ago, thought about holding off and seeing what the Greek mess did with the mbs market and hoping to go lower but decided not to.
Posted on 7/6/15 at 12:05 am to DavidTheGnome
Saint tiger- was referring to zero percent town. So if you make 100kplus then had to be VA
Posted on 7/6/15 at 12:13 am to tigerbacon
Yes, VA loan.
Posted on 7/6/15 at 12:47 am to AnonymousTiger
Greeks voted no so you should be getting a better rate tomorrow.
Posted on 7/6/15 at 1:23 pm to Polar Pop
you need to get another quote that rate is high even with under 700 credit.
As for the rest of you who like to brag about a rate you got 3 months ago or 3 years ago.. STOP IT !
As for the rest of you who like to brag about a rate you got 3 months ago or 3 years ago.. STOP IT !
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