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Started By
Message
re: Current Mortgage Rates
Posted on 10/5/20 at 8:54 am to ellesssuuu
Posted on 10/5/20 at 8:54 am to ellesssuuu
Any idea if mortgage rates will drop?
1
Posted on 10/5/20 at 2:03 pm to TigahTeeth
quote:I closed on a refi last week.....2.75% on a 30 year, just over 20% down. So, you may want to shop a little more.
Closing in three weeks. 3.25% on a 30, 20% down on 375k
This post was edited on 10/5/20 at 2:07 pm
Posted on 10/5/20 at 2:06 pm to AUCE05
quote:How much lower can rates realistically go?
Any idea if mortgage rates will drop?
This post was edited on 10/5/20 at 2:07 pm
Posted on 10/7/20 at 7:04 am to MattFDL
What’s the deal with AmeriSave Mortgage Corporation? Are they legit?
They have 30yr fixed at 2.25% ($6400 buy down) and 2.75 with only $1800 in total fees
They have 30yr fixed at 2.25% ($6400 buy down) and 2.75 with only $1800 in total fees
Posted on 10/7/20 at 8:40 am to DawgCountry
quote:
What’s the deal with AmeriSave Mortgage Corporation? Are they legit?
Definitely legit. do you pay a maid or clean your own house? I'm on my 4th mortgage. The current one is through Amerisave. Imagine they went and picked the worst woman from New Olreans and that was your agent, and she only spoke to you remotely via computer and on her schedule and complete incompetence. At the end they send a notary to your house. It was worth it to me for the cost savings but I'm trying to mentally prep you. I'd also write my own insurance if they'd let me.
Posted on 10/8/20 at 9:46 am to DawgCountry
Also look at their turn times- Some of the direct lenders having longer turn times. If you go through an IMB, you can get the same rate, but faster closing. Let me know if you need more information and I can get you some GA lenders names
Posted on 10/8/20 at 9:56 am to sandwolf
Locked in 2.875% on a 30 year construction to permanent home loan yesterday. 10% down payment
Posted on 10/9/20 at 7:20 pm to ellesssuuu
Was that 2.375 on a 30 year conventional?
Posted on 10/12/20 at 7:40 pm to ellesssuuu
Just locked in a refinance 2.75% for 30 year conventional loan. They will waive $2,000 off the closing cost as well.
Posted on 10/12/20 at 7:56 pm to ThatsWhatSheSaid69
Can everyone please post the Bank/Lender they are using and how many points they are paying for. That would be a major help.
Posted on 10/13/20 at 8:59 am to tenderfoot tigah
Things to look at when comparing rates and lenders, is the turn times and if they are giving lender points or adding the closing costs into the loan amount. Right now since rates are good, you want to make sure they are being transparent and timely
Posted on 10/13/20 at 9:22 am to tenderfoot tigah
I meant to also say, if you are thinking of refinancing - Beginning December 1, Fannie Mae and Freddie Mac will begin charging a 0.5% adverse market fee to refinance your mortgage. If you’ve been considering a new mortgage to replace your previous one, it’s important to understand how you could be impacted by this new fee.
Posted on 10/13/20 at 9:23 am to MortgageMaven
isn't it just simpler to compare APR's?
Posted on 10/13/20 at 9:54 am to tenderfoot tigah
2.375%=15yr
2.625%= 20yr
2.75%=30yr
i pulled these rates this morning for a TD poster. these are refinance rates with a loan amount over 200k. Purchase rates are a tad better than refinance rates. If you want a quote my email address is in this thread multiple times.
2.625%= 20yr
2.75%=30yr
i pulled these rates this morning for a TD poster. these are refinance rates with a loan amount over 200k. Purchase rates are a tad better than refinance rates. If you want a quote my email address is in this thread multiple times.
Posted on 10/14/20 at 8:26 am to hawkeye007
Strongly considering a cash-out refi.
Currently owe $119k on a $275k house at 3.875%.
11 years into a 30 year mortgage. 800+Credit
I'd like to pull $40-50. I ran it up my current lender (SWBC) a month back to see what an in-house refi would look like. I was debating 15 year or 20 year.
They hit me with
3.00% cash out 20 year
2.875% cash out 15
Currently owe $119k on a $275k house at 3.875%.
11 years into a 30 year mortgage. 800+Credit
I'd like to pull $40-50. I ran it up my current lender (SWBC) a month back to see what an in-house refi would look like. I was debating 15 year or 20 year.
They hit me with
3.00% cash out 20 year
2.875% cash out 15
Posted on 10/14/20 at 9:22 am to RaginCajunz
For a cash out refinance of $50k, 20 year rate is 2.5% with $631 payment/month
15 year is 2.25% with $780 payment each month
Let me know your email if you want me to price out some more scenarios
15 year is 2.25% with $780 payment each month
Let me know your email if you want me to price out some more scenarios
Posted on 10/14/20 at 9:36 am to MortgageMaven
Sorry. I phrased that poorly. I wanted to roll my balance and cash out 50 so a mortgage total of $169 or so.
Ragincajunz79@gmail.com
Ragincajunz79@gmail.com
Posted on 10/14/20 at 9:56 am to Lickitty Split
First time home buyer. Just got a 2.99% rate on 30 year RD 0% down loan
Posted on 10/14/20 at 10:08 am to BayouBengal23
what's your purchase price and credit score?
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