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Started By
Message
Going rate on a thirty year fixed
Posted on 6/6/15 at 9:20 pm
Posted on 6/6/15 at 9:20 pm
Thinking about doing a refi on a thirteen year old house. Current rate is 5.25%.
9
Posted on 6/6/15 at 9:38 pm to TIGER2
16 months ago ours was 4.5%
This post was edited on 6/6/15 at 9:39 pm
Posted on 6/6/15 at 10:06 pm to TIGER2
You've already been paying on it for 13 years? Why would you want to add another 30 years to your payoff time? Why not refi for a 15 yr fixed?
But to answer your question, you're looking at around 4% for a 30 and around 3.25% for a 15 yr.
But to answer your question, you're looking at around 4% for a 30 and around 3.25% for a 15 yr.
Posted on 6/6/15 at 10:06 pm to AuburnOwnsSEC
3.875 ballpark.. Worth it if you plan to stay in it at least a year.
Posted on 6/6/15 at 10:17 pm to TIGER2
I've seen it down around 3.5-3.6% but those are VA loans.
Nice perk for me.
Nice perk for me.
Posted on 6/6/15 at 10:22 pm to LSU1018
Thanks all for the info. The reason I'am asking is I need to free up some money for a few years and if we do this we will be putting $15,600.00 a year less into our monthly note and then I can go back to paying more when ready with no penalty.
This post was edited on 6/6/15 at 10:24 pm
Posted on 6/7/15 at 2:12 am to TIGER2
3.75-4.00
Posted on 6/7/15 at 7:26 am to That's BS
Rates just jumped to 4.25. You just missed the best times.
Posted on 6/7/15 at 7:39 am to TIGER2
I locked in 3.675% two weeks ago. Closing as soon as the builder decides he wants to be paid for completing his work.
Posted on 6/7/15 at 9:31 am to 4LSU2
Any points and what bank?
Posted on 6/7/15 at 9:41 am to TIGER2
I checked a few weeks ago w/ GMFS
30 yr: 3.75%
15 yr: 3%
30 yr: 3.75%
15 yr: 3%
Posted on 6/7/15 at 10:10 am to MNCscripper
Maybe TMI on mortgage information, but this is my go to site:
LINK /
Also Zillow has rates you can sort by lender.
LINK /
Also Zillow has rates you can sort by lender.
Posted on 6/7/15 at 10:52 am to TIGER2
My CU is currently 4%.
Posted on 6/7/15 at 12:11 pm to TIGER2
Bought a house in April, 3.875% on a 30 year mortgage.
Posted on 6/8/15 at 8:01 am to RiverRoadTiger
We tried to lock our rate in last Thursday and the rates had jumped to 4.75%. Mortgage guy recommended that we wait it out to see if they go back down to the 4% range.
We have at least 60 days to watch them before the house is completed.
We have at least 60 days to watch them before the house is completed.
Posted on 6/8/15 at 9:21 am to BoogaBear
I'm in the process of doing the same thing. As soon as I started this process the rates jumped. If I don't get in at 4.25 or under then I'll just be out the appraisal. frick me
Posted on 6/8/15 at 9:55 am to RiverRoadTiger
They are at 4.0 this morning.
Posted on 6/8/15 at 10:29 am to Ray Finkle
If 50bps breaks the deal, it shouldn't be done in the first place.
Posted on 6/8/15 at 10:44 am to iknowmorethanyou
I'm at 5.5 now, trying to get in at 4.35 or lower.
Posted on 6/8/15 at 11:23 am to Ray Finkle
Rates are climbing. Hearing whispers of 6% by September. I got 3:85% a month ago on 30 year and as of the end of may same loan would of 4.25%.
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