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Message
What interest rates have you been getting the last 2-3 weeks? 30 year
Posted on 9/4/24 at 7:32 am
Posted on 9/4/24 at 7:32 am
Just under an 800 credit score - house should be built in the next few months so I’m stressing that I can get in under 6% 
10
Posted on 9/4/24 at 7:33 am to VermilionTiger
Paging SDVTiger…
Posted on 9/4/24 at 7:46 am to VermilionTiger
quote:
house should be built in the next few months
I wouldnt be stressing if thats when you will refinancing
These swings are insane but the cuts will have started
Posted on 9/4/24 at 7:56 am to SDVTiger
Is 6% the norm right now?
Posted on 9/4/24 at 8:08 am to VermilionTiger
I’ve been quoting high 5’s to low sixes last few days depending on customer’s situation. What’s the amount of your loan and estimated value on the house?
Posted on 9/4/24 at 8:11 am to VermilionTiger
I would say its close to that or under with your score
Everytime you hear rates are at 6.5 or whatever thats with a built in 2% bankers bucket for retail
So wholesale will always be .75 or better than what they advertise
Everytime you hear rates are at 6.5 or whatever thats with a built in 2% bankers bucket for retail
So wholesale will always be .75 or better than what they advertise
Posted on 9/4/24 at 9:10 am to npt817
Probably close to $215,000 loan
House value is close to $350,000
House value is close to $350,000
Posted on 9/4/24 at 9:29 am to npt817
quote:
npt817I’ve been quoting high 5’s to low sixes last few days depending on customer’s situation. What’s the amount of your loan and estimated value on the house?
Can you quote in Texas
Posted on 9/4/24 at 9:33 am to VermilionTiger
Higher rates means lower house prices. I got a steal on one a couple months ago. If rates drop you can refinance, but if rates increase you will be thankful you locked in a lower rate.
If you can afford the note now, it will decrease when rates come down and you refinance.
If you can afford the note now, it will decrease when rates come down and you refinance.
Posted on 9/4/24 at 10:38 am to Rize
quote:
Can you quote in Texas
Absolutely.
Posted on 9/4/24 at 10:46 am to VermilionTiger
quote:
Probably close to $215,000 loan House value is close to $350,000
With 800 score you mentioned I am at 6% no points on this setup today.
Posted on 9/4/24 at 10:55 am to npt817
Cool
Same with 780ish? Or does that fall into the same range with 800
Same with 780ish? Or does that fall into the same range with 800
Posted on 9/4/24 at 11:21 am to VermilionTiger
quote:
Same with 780ish? Or does that fall into the same range with 800
Anything over 760 is besr pricing
In 2mnths you will ptobably be low 5s if this bls report comes in like shite on Friday
Posted on 9/4/24 at 12:51 pm to VermilionTiger
quote:
Same with 780ish? Or does that fall into the same range with 800
Yep no change at 780
Posted on 9/4/24 at 2:19 pm to npt817
I've got an option to lock in my float-down at 5.8, construction done in ~4 weeks. What would the money talk board do?
Posted on 9/4/24 at 9:30 pm to SDVTiger
Pardon my ignorance, but how do you go about getting a wholesale rate?
This post was edited on 9/4/24 at 9:35 pm
Posted on 9/4/24 at 9:32 pm to npt817
How do I go about contacting you? Current rate is 7.125%. Loan amount is $650k. Value of home is $750k. 800 credit score.
Posted on 9/4/24 at 9:34 pm to VermilionTiger
My boy, where are you these days?
Hope all has been well.
Hope all has been well.
This post was edited on 9/4/24 at 9:38 pm
Posted on 9/4/24 at 10:14 pm to GREENHEAD22
Same area
All good, though. Same company as when I graduated college.
I see you’re getting around. Texas now?
Hope you and your family have been well
All good, though. Same company as when I graduated college.
I see you’re getting around. Texas now?
Hope you and your family have been well
Posted on 9/5/24 at 6:52 am to cmac5125
quote:
Pardon my ignorance, but how do you go about getting a wholesale rate?
You find a broker
Retail is going direct to Rocket Mortgage or a Loan Depot, Chase etc as an example
If you find a broker they are wholesale since they bring the buisness to a Rocket Mortgage, Loan Depot, Chase who will give a .5 or more better in rate pricing because of that
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