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GRTiger
USA Fan
On a roof eating alligator pie
Member since Dec 2008
36312 posts
 Online 

re: When was the last time you refinanced your mortgage?
Locked the rate in August, closed in October. 3.75%, 30 years.


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JEAUXBLEAUX
LSU Fan
Bayonne, NJ
Member since May 2006
52417 posts

re: When was the last time you refinanced your mortgage?
any day now


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Salmon
USA Fan
On the trails
Member since Feb 2008
52439 posts
 Online 

re: When was the last time you refinanced your mortgage?
I refinanced at 3.25% for 30 in December


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LaBR4
LSU Fan
Baton Rouge
Member since Sep 2005
25283 posts

re: When was the last time you refinanced your mortgage?
Take a look into it. In 2010 I got 5%. I just refinanced at 3.75% for 30.
This post was edited on 3/19 at 3:31 pm


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TigerinATL
New Orleans Pelicans Fan
Member since Feb 2005
44328 posts
 Online 

re: When was the last time you refinanced your mortgage?
You should look into it, you will most likely save money and the only question is how long you plan to stay in your house vs. how long it takes to cover the refinancing costs. I went from just over 6% to 3.75% with a quicker payoff and the break even point was about 1.5-2 years.

Even if you move before your break even point you still might come out ahead, because reducing the interest rate and years changed how much of my mortgage payment went to principle each month, so I'm building up equity much quicker than if I'd have kept the original loan.


HeadCoach
LSU Fan
Shady's Parking Lot
Member since Mar 2009
5433 posts

re: When was the last time you refinanced your mortgage?
How bad would my credit have to be NOT to get a really good rate? We got no CC debt, some other little stuff but nothing big. Last time we tried we got a shite rate and I don't understand it. Who did you guys use cause aparently my guy sucks!


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BIGDAB
Grambling Fan
Go for the Jugular
Member since Jun 2011
7460 posts

re: When was the last time you refinanced your mortgage?
I did two last year and got 3.5 on both of them


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CHEDBALLZ
South Central LA
Member since Dec 2009
12407 posts

re: When was the last time you refinanced your mortgage?
3.25 on 30 year about 8 months ago. We pay bi monthly when I get paid and I also put a little extra on it. Doing this we will pay it off in 22-23 years


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busbeepbeep
New Orleans Saints Fan
#gainz
Member since Jan 2004
12385 posts
 Online 

re: When was the last time you refinanced your mortgage?
I did it in April 2012 and got 3.0%/15yr


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jjbodean1970
LSU Fan
Morgantown, WV
Member since Mar 2006
6492 posts

re: When was the last time you refinanced your mortgage?
I'm closing next week on a 30 year at 3.5, new purchase not a refinance.


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jeffsdad
Member since Mar 2007
7891 posts

re: When was the last time you refinanced your mortgage?
last month got 2.75 for 10 years.


jmtigers
Southern Miss Fan
1826.71 miles from USC
Member since Sep 2003
4754 posts

re: When was the last time you refinanced your mortgage?
30 year 3.75 about a month ago refi.


C
Atlanta Falcons Fan
Port Moresby
Member since Dec 2007
25054 posts

re: When was the last time you refinanced your mortgage?
Libor + 1.625 about a year ago.


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Will Cover
Auburn Fan
Daphne, AL
Member since Mar 2007
31853 posts

re: When was the last time you refinanced your mortgage?
I refinanced about 7 or 8 months ago. Went from 4.375 % (15 year) to 2.875 (15 year).

Was worth it to me.


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ItNeverRains
LSU Fan
Franklin, TN
Member since Oct 2007
10306 posts

re: When was the last time you refinanced your mortgage?
Just did new construction, got 3.625 0/0 on 30 yr. in August.

Like yellowfin said, paying cash for house right now is a logic I can't comprehend.


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wiltznucs
South Florida Fan
Apollo Beach, FL
Member since Sep 2005
8232 posts

re: When was the last time you refinanced your mortgage?
I did a refi two months ago on my FHA loan and got 3.5APR/3.625APY. Not the best deal out there but with the FHA loans and underwater mortgages here in FL I was pretty pleased considering I was at 6+ beforehand.


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rsande2
LSU Fan
Member since Jan 2006
3423 posts

re: When was the last time you refinanced your mortgage?
quote:

When was the last time you refinanced your mortgage?


I am closing within the next couple weeks and I got 3.15% and was at 5.25% before.


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wegotdatwood
Member since Aug 2009
17094 posts

re: When was the last time you refinanced your mortgage?
Bought our first home. 30 yr 3.25%


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Bear Is Dead
LSU Fan
Monroe
Member since Nov 2007
4431 posts

re: When was the last time you refinanced your mortgage?
Just got 3% on a 15yr. Theyre cheap as shite right now


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foshizzle
LSU Fan
Washington DC metro
Member since Mar 2008
35968 posts

re: When was the last time you refinanced your mortgage?
I refi'd back in November for 30 years at 3.25%. No points. I think I was lucky enough to hit the exact low for my area though.


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