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Started By
Message
Interest Rates
Posted on 9/21/12 at 12:12 pm
Posted on 9/21/12 at 12:12 pm
I see rates are down today. Anyone who knows the business think they will get lower in the next few days or should I lock?
6
Posted on 9/21/12 at 1:06 pm to BallyHOO
At this point its bragging rights. Go ahead and lock.
Posted on 9/21/12 at 1:28 pm to BallyHOO
dont be greedy this is the lowest they have been all year.
Posted on 9/21/12 at 2:43 pm to hawkeye007
quote:
dont be greedy this is the lowest they have been all year.
This.
Posted on 9/21/12 at 9:12 pm to BallyHOO
The FED is purchasing long-term bonds to try to lower interest rates, but the banks are not passing on all of the savings to the consumer.
If they were, then 30 year rates would be 2.8%. Normally the banks charge 0.74, but they are charging 1.4. That's a difference of almost .7 which would bring a 3.5 rate to 2.8.
Banks are ripping people off with the 3.5% rate.
If they were, then 30 year rates would be 2.8%. Normally the banks charge 0.74, but they are charging 1.4. That's a difference of almost .7 which would bring a 3.5 rate to 2.8.
Banks are ripping people off with the 3.5% rate.
Posted on 9/22/12 at 8:13 am to djmicrobe
I went ahead and locked in at 3.375 about 2 weeks ago.
Posted on 9/23/12 at 5:44 pm to guttata
Banks are keeping rates a bit inflated in order to control demand.
And to make an extra buck....
And to make an extra buck....
Posted on 9/24/12 at 12:33 pm to BallyHOO
lock today
Posted on 9/24/12 at 1:39 pm to BallyHOO
quote:
I see rates are down today. Anyone who knows the business think they will get lower in the next few days or should I lock?
I refinanced about 2.5 months ago and received a great rate at the time. 2.875 % on a 15 year loan.
Today, I can now get it for 2.577 % on a 15 year loan.
Lock today.
Posted on 9/25/12 at 3:27 pm to guttata
(no message)
This post was edited on 11/29/12 at 3:19 pm
Posted on 9/25/12 at 3:56 pm to Will Cover
Dam, I just refied at 3.0 and now they are below 3? 
Posted on 9/25/12 at 5:14 pm to Will Cover
quote:
Today, I can now get it for 2.577 % on a 15 year loan.
0 and 0
Where??
Posted on 9/25/12 at 9:04 pm to TortiousTiger
I'm a veteran and currently financed through Wells Fargo. They have the interest reduction deal and I was quoted:
30 year, 3.25% no points
15 year, 2.75% no points
Because I'm disabled, I have no closing costs, no origination fee, zip, notta. I'm locking tomorrow and saving $308 a month!
30 year, 3.25% no points
15 year, 2.75% no points
Because I'm disabled, I have no closing costs, no origination fee, zip, notta. I'm locking tomorrow and saving $308 a month!
Posted on 9/25/12 at 9:14 pm to JoseVargasTX
Thank you for your service to our country sir 
Posted on 9/25/12 at 9:42 pm to BallyHOO
I'm at 4.875% on a FHA but my credit score is in the shitter. I dunno if anyone would offer me a refi. Not to mention my LTV is right at 90%
This post was edited on 9/25/12 at 9:43 pm
Posted on 9/26/12 at 7:20 am to MoreOrLes
quote:
0 and 0
Where??
Check out Zillow and go under mortgages. Plug in your information and a list of lenders will pop up. All are rated very highly and can be checked through the BBB - but read the reviews from other customers and pick the one you want.
I chose New Penn Financial, but they don't have the cheapest rate at this time (based upon the list of lenders found on Zillow).
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