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Message
Going rate for 15 year mortgages these days?
Posted on 4/17/15 at 9:11 am
Posted on 4/17/15 at 9:11 am
10% down
160k property
1st time home buyer
zero current debt
Credit in the mid 700s
What can I expect my interest rate to be?
160k property
1st time home buyer
zero current debt
Credit in the mid 700s
What can I expect my interest rate to be?
5
Posted on 4/17/15 at 9:12 am to kingbob
3-4% would be my guess.
Closer to 3 with more money down and vice versa.
Closer to 3 with more money down and vice versa.
Posted on 4/17/15 at 9:20 am to kingbob
I closed my 15 year refi a month ago and got it with GMFS for 2.875%
I do have down more than 10% (probably closer to 25%) but I think with a 15 year you can drop 3/4 a percent to the 30 year rates.
I do have down more than 10% (probably closer to 25%) but I think with a 15 year you can drop 3/4 a percent to the 30 year rates.
Posted on 4/17/15 at 9:29 am to STLhog
I locked in 3.25% a month ago...probably could get closer to 3% now. 
Posted on 4/17/15 at 9:50 am to Chaplain
quote:
I locked in 3.25% a month ago
for a 15 year? damn
glad I locked in at 3.25% for my 30 year 2 years ago...
Posted on 4/17/15 at 9:57 am to kingbob
Lots of places are well under 3% right now. 2.875% is pretty easy to find.
Posted on 4/17/15 at 10:03 am to Sigma
With less than 20% down?
Tell me where please haha.
Tell me where please haha.
Posted on 4/17/15 at 10:20 am to STLhog
PenFed is 2.625 with 20% down. They don't list it on their site but I'd think you could get under 3% with 10% down. Could be wrong though.
Posted on 4/17/15 at 10:55 am to Sigma
Posted on 4/18/15 at 7:15 am to kingbob
My credit union is 2.875 with no points and 2.75 with .375 points.
Posted on 4/18/15 at 10:09 am to kingbob
I got 2.875 % about 2.5 years ago. Fairly certain rates for 15 year are around this again.
Posted on 4/18/15 at 10:23 am to Will Cover
quote:
I got 2.875 % about 2.5 years ago. Fairly certain rates for 15 year are around this again.
This is me too, December of 2012 through a Credit Union.
Under 3% money is crazy good. I have no incentive to pay the mortgage off early. My investments over the same period have made double-digit return and (because of the mortgage interest) I can still itemize on my taxes.
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