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Started By
Message
Should I lock in?
Posted on 9/6/25 at 4:10 pm
Posted on 9/6/25 at 4:10 pm
Our new home is almost built and I talked to the guy today and I can lock in at 5.75 interest which will have my house note around 2200. Should I wait or lock in? Just a month ago it was 6.5.
Will rates continue to fall?
Will rates continue to fall?
This post was edited on 9/6/25 at 4:11 pm
7
Posted on 9/6/25 at 4:39 pm to WHS
It's a gamble but personally, I think it's the best you are gonna get for awhile.
This post was edited on 9/7/25 at 12:22 pm
Posted on 9/6/25 at 7:41 pm to WHS
Whi is that with? 30 or 15 year?
Posted on 9/6/25 at 7:41 pm to BHTiger
30
Through Rocket Mortgage I believe
Through Rocket Mortgage I believe
This post was edited on 9/6/25 at 7:42 pm
Posted on 9/7/25 at 8:54 am to WHS
quote:
Through Rocket Mortgage I believe
You don’t know who you applied for a mortgage with?
Posted on 9/7/25 at 9:31 am to WHS
I would take it. We expect a Fed rate drop in a few weeks, but that doesn't immediately translate to mortgage rate change. The 10 year is likely to go up some weeks slightly and down others over the next couple of months.
Posted on 9/7/25 at 9:49 am to skewbs
We are going through CTH Homes and they are handling it.
Posted on 9/7/25 at 9:57 am to WHS
quote:
Our new home is almost built and I talked to the guy today and I can lock in at 5.75 interest which will have my house note around 2200. Should I wait or lock in? Just a month ago it was 6.5.
Will rates continue to fall?
Posted on 9/7/25 at 10:07 am to WHS
quote:
Our new home is almost built and I talked to the guy today and I can lock in at 5.75 interest which will have my house note around 2200. Should I wait or lock in? Just a month ago it was 6.5. Will rates continue to fall?
What does “almost built” mean? As another poster said, we are expecting a small rate cut, but that’s unlikely to filter down to mortgage rates for several months after that. When are you expecting to actually be signing for financing?
Posted on 9/7/25 at 10:21 am to ItzMe1972
The final inspections are set to be Tuesday.
We can start the process for closing now and close after final inspections
We can start the process for closing now and close after final inspections
This post was edited on 9/7/25 at 10:25 am
Posted on 9/7/25 at 2:53 pm to WHS
quote:
The final inspections are set to be Tuesday.
We can start the process for closing now and close after final inspections
Lock it in now.
Posted on 9/7/25 at 3:49 pm to WHS
Makes me appreciate my 2.8% 15 year.
Everyday I want to just pay it off but my rate is so low I can't bring myself to do it.
Everyday I want to just pay it off but my rate is so low I can't bring myself to do it.
Posted on 9/7/25 at 10:49 pm to FnTigers
I've got a jumbo, fixed 30 yr at 2.25%. My first payment after escrow, had more applied to principal than interest. Had never seen that before or since.
I don't think we will ever see those again, but I do think if you can get or pay down to 4.5%, that's a pretty good rate.
I don't think we will ever see those again, but I do think if you can get or pay down to 4.5%, that's a pretty good rate.
Posted on 9/7/25 at 11:15 pm to oneg8rh8r
Yeah that's amazing!!!!
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