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Started By
Message
What are interest rates right now without paying points?
Posted on 10/1/20 at 2:29 pm
Posted on 10/1/20 at 2:29 pm
Over 80 percent loan to value and good credit at 750+. I’m just trying to see if quote I’m getting is competitive. Has me paying $7,200 worth of points At closing for a 475K cash out refi. Rate is 2.99% for 30 year term.
Or I have option of not doing cash out and then it’s $2,250 worth of points for a 293K loan 30 years at 2.875.
Or I have option of not doing cash out and then it’s $2,250 worth of points for a 293K loan 30 years at 2.875.
4
Posted on 10/1/20 at 4:20 pm to GravelLotinCanada
Posted on 10/1/20 at 8:49 pm to papz
It seems like $7200 is a little much to be paying for a 2.99% interest rate right now. Aren’t points an option or do you have to buy them no matter what?
Posted on 10/1/20 at 9:01 pm to GravelLotinCanada
(no message)
This post was edited on 10/18/21 at 2:12 pm
Posted on 10/1/20 at 9:02 pm to lsutiger2010
Who did you use if you don’t mind me asking?
Posted on 10/1/20 at 9:33 pm to GravelLotinCanada
2.5% on a 30 year second home loan. No points.
Posted on 10/1/20 at 9:49 pm to Chasin The Tiger
To second what the above poster said - would be more helpful if y’all provided what shop you did the refi through
Posted on 10/1/20 at 10:31 pm to tigerfan4120
Man I wonder if I should refi and cash out some.
At 2.65
At 2.65
Posted on 10/2/20 at 6:26 am to tigerfan4120
Besides what company you did refi through when was it done. They’re telling me rates are trending up just a little. Nothing major but starting to go up a little here lately.
Posted on 10/2/20 at 7:56 am to GravelLotinCanada
Rates are going up. At the beginning of September I was offered 2.625 no points. I pulled the trigger 2 weeks later and had to buy $1,700 in points to get it at 2.625. Should close mid October.
Posted on 10/2/20 at 9:49 am to GravelLotinCanada
cash out refinance rates at 80% LTV will be higher rate
Posted on 10/5/20 at 2:36 pm to GravelLotinCanada
I need more details on the first quote but I have better rates on the second option - Reach out if you want more options
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