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Message
re: mortgage interest rates
Posted on 3/10/20 at 4:43 pm to lsu13lsu
Posted on 3/10/20 at 4:43 pm to lsu13lsu
just more sellers of mortgage backed securities than buyers today. Buyers saw better opportunities in other securities. MBS and treasuries just got priced too high for the yield and corrected the other direction for other risk profiles. Wouldn't really call that price fixing.
Lsu13lsu is right too although the Fed's over night rate that banks lend each other has some dictate on long term MBS and treasuries those two don't have to go the same way at the same time.
1
Posted on 3/10/20 at 5:28 pm to HYDRebs
Can anyone here help me with mortgage refi in California? TIA! 
Posted on 3/10/20 at 5:41 pm to euphemus
Send me an email at my username @ gmail. I work for a federally chartered bank, so I can cover all 50 states
Posted on 3/10/20 at 5:47 pm to HYDRebs
quote:
Send me an email at my username @ gmail. I work for a federally chartered bank, so I can cover all 50 states
Done, thx!
Posted on 3/10/20 at 7:03 pm to HYDRebs
Definitely up. Market up plus lenders pricing to slowdown right now. Can’t keep up
Posted on 3/10/20 at 7:22 pm to ellesssuuu
So will I still get a good rate?
Posted on 3/10/20 at 8:06 pm to eng08
How were you able to do this? I'm looking to do the same
Posted on 3/10/20 at 8:15 pm to ellesssuuu
Phew, was able to still lock in my 3.125 /30ye. my lenders conventional rates had increased but they hadnt adjusted the loan program I had applied under yet.
Posted on 3/11/20 at 8:02 am to Puffoluffagus
i wouldn't fret, when all these lenders slow down on the 30 day locks, someone will get hungry and start pricing again. They have to eat, and the fed has free money
Posted on 3/11/20 at 8:13 am to nolaks
I was quoted last week.
Officially locked yesterday: 15 year @2.375.
Down from 4.375 over 30.
Monthly payment only going up about $250/month. I wasn't investing it anyway, just spending it.
Putting it towards our house is a fantastic way of forcing myself to "invest" it.
Officially locked yesterday: 15 year @2.375.
Down from 4.375 over 30.
Monthly payment only going up about $250/month. I wasn't investing it anyway, just spending it.
Putting it towards our house is a fantastic way of forcing myself to "invest" it.
Posted on 3/11/20 at 8:27 am to Puffoluffagus
I am locked in for 3.125% on a 30 year and getting rid of PMI which was my main goal. I have to roll a few thousand into the new loan but monthly payment is coming down. Percentage rate is coming down from 3.625%.
Posted on 3/11/20 at 8:53 am to burgeman
Damn my bank rates (usaa) went up over a full point overnight. My current rate is 3.25 so not a huge opportunity for me in either case but was going to jump on it once it got to 2.75 for the 30
Posted on 3/11/20 at 9:11 am to Displaced
quote:
I was quoted last week.
Officially locked yesterday: 15 year @2.375.
Down from 4.375 over 30.
Monthly payment only going up about $250/month. I wasn't investing it anyway, just spending it.
Putting it towards our house is a fantastic way of forcing myself to "invest" it.
That is a fantastic transition and deal.
Definitely worked it as good as anyone I've seen in this thread. When did you start the 4.375?Posted on 3/11/20 at 9:22 am to MrJimBeam
quote:
When did you start the 4.375?
Early 2016
Posted on 3/11/20 at 9:26 am to Displaced
Nice, I almost pulled the trigger from 3.75 to 3, but I JUST did that refinance last year. I was hoping for a below 3, 30 year offer. Had I gotten around 2.875 I probably would have done it. Still extremely happy to be below 4 regardless. Insane how low rates have been in general.
Posted on 3/11/20 at 9:31 am to MrJimBeam
These rates are making me want to pull-in a house purchase sooner than I expected.
Posted on 3/11/20 at 7:59 pm to lynxcat
10 yr yield has started to make push back town to .8%. Real curious how this over night action will be.
Liquidation seemed to be the play today across almost everything. What next?
Liquidation seemed to be the play today across almost everything. What next?
Posted on 3/11/20 at 8:27 pm to lynxcat
quote:
These rates are making me want to pull-in a house purchase sooner than I expected.
Right? Might be time to slide into something a little bigger.
Posted on 3/11/20 at 8:31 pm to HYDRebs
Yield still falling sharply since the travel ban news and not stopping. Those who missed out on a refi opportunity may get another shot tomorrow if the trend continues.
Posted on 3/11/20 at 8:37 pm to HYDRebs
Nevermind...
This post was edited on 3/11/20 at 8:38 pm
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