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Started By
Message
re: mortgage interest rates
Posted on 3/9/20 at 8:48 pm to LSUSUPERSTAR
Posted on 3/9/20 at 8:48 pm to LSUSUPERSTAR
I used Sofi. Had a student loan with them so they knocked off 500 from closing a waived the appraisal.
~65% LTV 800ish credit score.
~65% LTV 800ish credit score.
1
Posted on 3/9/20 at 8:52 pm to broadhead
I just emailed you to send me a breakdown of what you want to do
Posted on 3/9/20 at 8:54 pm to TowBROater
Send me a text with your contact information and I can get you some numbers
Posted on 3/9/20 at 9:01 pm to philabuck
Okay. We are getting 3.25% for 30 yrs with 772 and 750 credit scores. Since we just closed last July, LTV is just below 80%. Lender is the current mortgage holder so they are giving us a bunch in credit.
Posted on 3/9/20 at 9:19 pm to LSUSUPERSTAR
3.25% is why you are getting lender credit. I locked someone today at 2.99% on 30 yr. What is your loan amount?
Posted on 3/9/20 at 9:20 pm to LSUSUPERSTAR
quote:
Where are y'all getting the sub 3% on the 30 yrs? Are your LTVs low? What about credit scores?
LTV is about 30% and well over 740 credit. appraisal waiver saves a few dollars at closing.
Posted on 3/9/20 at 9:37 pm to ellesssuuu
About $400k
Posted on 3/9/20 at 9:45 pm to Dayman
quote:
Iberia Bank in NOLA
Thanks. That’s the best I’ve seen or heard so far.
Posted on 3/9/20 at 9:55 pm to Kreg Jennings
quote:
Kreg Jennings
Good luck!
Posted on 3/9/20 at 10:01 pm to LSUSUPERSTAR
I should be able to get you at least 2.99%
Posted on 3/9/20 at 10:21 pm to ellesssuuu
I'm getting $8k in lender credits, plus 50% of on the title policy which is with the same company that closed us last July.
Posted on 3/9/20 at 10:31 pm to LSUSUPERSTAR
You are getting that much in lender credits because rate is higher.
Posted on 3/9/20 at 10:31 pm to LSUSUPERSTAR
I’m hearing 3.125 and just pay the appraisal. I’m waiting to see if they have any fees they haven’t told me about yet.
Posted on 3/9/20 at 11:33 pm to Tigerholic
I put this in another thread, but figured it'd get more eyes here:
quote:
What's the likelihood that I won't need an appraisal for a refi? Bought the house in June of 2018 and it appraised for 10% over sale price, which would have given us 80% LTV. Still had to pay PMI though (only put down 10% of the sale price)
Refi'd a couple months ago with an online company and just said that I had 20% equity. They waived the appraisal no questions asked and we got out of PMI with the new loan.
Want to refi again, but wife is worried that we're gonna have to pay for an appraisal and it could come out to putting us at greater than 80% LTV. I genuinely doubt it would appraise for less than my estimate (relatively conservative compared to listings in my area. I realize listings =/= sales).
I've seen quite a few posters in the bigger thread talking about going through with a refi to take advantage of the dropping rates and getting their appraisal waived.
This post was edited on 3/9/20 at 11:34 pm
Posted on 3/10/20 at 4:26 am to JohnnyKilroy
There is a good chance it will be waived again
Posted on 3/10/20 at 8:10 am to ellesssuuu
quote:
ellesssuuu
What's your contact info? I am interested in a refinance with the current rates.
Posted on 3/10/20 at 8:22 am to SaDaTayMoses
Lock in today or wait?? Getting nervous.
Posted on 3/10/20 at 8:44 am to Coon
15 yr at 2.495 at Wells
Posted on 3/10/20 at 9:08 am to MrLSU
I locked in at 2.75% on Thursday for 15 year. Down from a 4.875% on a 20 year. My note will be almost the same and I’m 2 years in. I don’t see rates going down that much. It was a no brainer for me.
This post was edited on 3/10/20 at 11:20 am
Posted on 3/10/20 at 9:21 am to ellesssuuu
quote:
ellesssuuu
You offering 2.85% on 30-year refis today?
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