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Started By
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What's your interest rate and APR on your home? Buying my 1st home.
Posted on 5/20/15 at 7:03 pm
Posted on 5/20/15 at 7:03 pm
I'm a first time home buyer with a credit score of 745, and the lender is offering me 3.625% interest rate with a 3.8% APR 30 year. For all the homeowners, are those good rates for me; what are some of the rates you locked in? TIA
This post was edited on 5/20/15 at 7:52 pm
12
Posted on 5/20/15 at 7:39 pm to 13SaintTiger
Got the exact same rate in March at 3.625% on a 30 year. Historically low rate that I lucked out on with the timing. Jump on it.
Posted on 5/20/15 at 7:44 pm to 13SaintTiger
I refinanced in 2012 for 3.375% on a 15 yr mortgage.
Historically speaking, its almost impossible to get a bad interest rate these past few years with a good credit score.
Historically speaking, its almost impossible to get a bad interest rate these past few years with a good credit score.
Posted on 5/20/15 at 9:56 pm to Saint5446
I'm in the market and just beginning my search for a lender. Who are you guys getting these rates from? OP, you can answer this as well if you don't mind.
Posted on 5/20/15 at 9:58 pm to 13SaintTiger
2.875% 15 year
Posted on 5/20/15 at 10:17 pm to Teauxler
good lord.
im at 4% and thought it was awesome....
im at 4% and thought it was awesome....
Posted on 5/20/15 at 10:47 pm to powerlineman
USAA is who I went with, and I'm glad to know I got a great interest rate. I caveat that with, USAA has the best service I've ever dealt with but there mortgage service sucks, probably because they resource out there mortgage service. And by suck, I mean there representatives seem incompetent at times and there's hardly any bargaining with them.
Posted on 5/21/15 at 7:20 am to 13SaintTiger
3.25% 30 year
that was 2 years ago with Colonial Mortgage
that was 2 years ago with Colonial Mortgage
This post was edited on 5/21/15 at 7:21 am
Posted on 5/21/15 at 7:31 am to 13SaintTiger
2.875% back in 2013, on a 30 year note, but it's a 7-1 ARM (yes I know what I got myself into)
Posted on 5/21/15 at 7:41 am to 13SaintTiger
None at the moment since i paid it off 
When i first bought in 2005 my interest rate was 5.875% for 30 yrs
I refinanced in 2010 to 4% for 20 yrs
When i first bought in 2005 my interest rate was 5.875% for 30 yrs
I refinanced in 2010 to 4% for 20 yrs
Posted on 5/21/15 at 7:44 am to bayoudude
2.875 15 year, in oct 2012
Posted on 5/21/15 at 7:49 am to 13SaintTiger
4.25 30 year fixed, June of 2014. Had a couple dings on my credit from back in college that prevented me from the best rates, but I am happy with it.
Posted on 5/21/15 at 7:57 am to LNCHBOX
3.625%, 30 year about 4 months ago
Posted on 5/21/15 at 7:59 am to 13SaintTiger
Are you paying origination or points?
Posted on 5/21/15 at 8:36 am to seawolf06
Origination, about $280.
Posted on 5/21/15 at 8:44 am to 13SaintTiger
i am at 5% on a 30. this was back in 2009. Doesn't make sense to refinance because of how little we still owe.
Posted on 5/21/15 at 8:46 am to lsu777
Rates hit 4.0 yesterday morning. 
Posted on 5/21/15 at 8:50 am to Coach Guidry
quote:
Rates hit 4.0 yesterday morning.
Yet Chase just lowered the APY on my savings account
Posted on 5/21/15 at 8:53 am to Coach Guidry
quote:
Rates hit 4.0 yesterday morning.
What does that mean?
Posted on 5/21/15 at 10:24 am to 13SaintTiger
3.875 but my loan is a jumbo.
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