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Mortgage Rates
Posted on 8/14/16 at 12:20 pm
Posted on 8/14/16 at 12:20 pm
I just saw an ad online that had 30-year rates at 3.17% and 15-year at 2.5%. Does anyone know if those are really the current rates?
3
Posted on 8/14/16 at 12:57 pm to will1883
I just refinanced to 15 year at 2.75 about 3 weeks ago. I wouldn't be shocked that rates have slid a little lower
Posted on 8/14/16 at 2:39 pm to DzNtz
What sort of closing costs?
Posted on 8/14/16 at 4:45 pm to will1883
At rates that low the 15 year note is essentially free. After the tax deduction it's around the long-term inflation rate.
Posted on 8/14/16 at 9:28 pm to will1883
It's possible if you have a bank/broker wanting to buy market share, perfect credit, and perfectly hit all the LTV and debt ratios.
Posted on 8/14/16 at 9:30 pm to foshizzle
quote:
At rates that low the 15 year note is essentially free. After the tax deduction it's around the long-term inflation rate.
I hear this a lot.
At the lower end, the existence of the standard deduction eats away at most of the "savings" of the mortgage interest deduction.
And at the higher end, the cap on itemized deductions also eats away at this.
There is absolutely a sweet spot in the middle that is a great place to be, but it's not universal.
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