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Started By
Message
New Current Mortgage Rates Thread
Posted on 2/1/21 at 5:02 pm
Posted on 2/1/21 at 5:02 pm
30-yr. refi fixed, south Louisiana?
Thank you.
Thank you.
This post was edited on 2/1/21 at 5:06 pm
18
Posted on 2/1/21 at 5:13 pm to Zachary
We refinanced ours a few weeks ago. I think ours was 2.35% - 20 yr.
Posted on 2/1/21 at 5:51 pm to fallguy_1978
I got 2.25% on a 30 year, last week. It's a VA loan though, so that may be an exception.
Posted on 2/1/21 at 5:54 pm to Zachary
I closed on a 30 year 2.75% Tuesday
Posted on 2/1/21 at 5:59 pm to Zachary
Did a 2.5 with no origination fee for our cash-out refi.
Posted on 2/1/21 at 6:25 pm to Drunken Crawfish
Not in LA, but got quoted 2.95 on a jumbo refi today, so I'm sure conventionals are in the toilet. Let's ride!
Posted on 2/1/21 at 7:33 pm to Zachary
2.625% straight refi
Posted on 2/1/21 at 7:38 pm to Drunken Crawfish
quote:
Did a 2.5 with no origination fee for our cash-out refi.
Who’d you go with?
Posted on 2/2/21 at 10:09 am to fallguy_1978
What companies are yall going with? I'm getting quotes of 2.8%, 2.9%
Posted on 2/2/21 at 10:24 am to TastyJibblets
Mine was with Freedom Mortgage in New Jersey. I locked that rate in late last year and had to postpone my closing because we all got the Rona. We just closed like 2 weeks ago. I just double checked and it's 2.375%.
Posted on 2/2/21 at 10:28 am to Zachary
Was told Business First Bank in BR waives closing costs if you open checking account and have 10k balance.
Was told this today.
If true, thats a pretty sweet deal.
Was told this today.
If true, thats a pretty sweet deal.
Posted on 2/2/21 at 10:31 am to Zachary
Don't feel like starting a new thread on this but:
I'd love to get in on these rates but I'm not adding months to my mortgage. Is a 5yr term a thing?
I'd love to get in on these rates but I'm not adding months to my mortgage. Is a 5yr term a thing?
Posted on 2/2/21 at 11:00 am to junkfunky
5 year is possible- Best to go to a bank where it will be a portfolio product for them
Posted on 2/2/21 at 1:15 pm to Zachary
How much time you think we got?
I'm fricked until april, had a late payment due to switching banks and apparently never updated the auto pay info (though I remember doing so). Of course they said nothing until it was 30 days late. Was told I cant refi with a late payement within 12 months.
I'm fricked until april, had a late payment due to switching banks and apparently never updated the auto pay info (though I remember doing so). Of course they said nothing until it was 30 days late. Was told I cant refi with a late payement within 12 months.
Posted on 2/2/21 at 1:17 pm to Zachary
quote:
30-yr. refi fixed, south Louisiana?
My advice would be to move.
Posted on 2/2/21 at 1:18 pm to Zachary
I just did a straight line (no cash out) through Freedom at 2.5% for 25 years at no cost. The original mortgage was also through Freedom 5 years ago around 3.375%. Huge difference in monthly payment and big savings on interest in the long term.
This post was edited on 2/2/21 at 1:20 pm
Posted on 2/2/21 at 1:22 pm to Zachary
rates are going to depend on loan amount, LTV, and credit score. I am quoting most clients 2.75%-2.875% right now on non cash out refinances on 30yr rates. If you are borrowing over 360k and have a sub 70% LTV you can see 2.625%. 15yr rates are 2.25% for most clients. Once again with the right LTV and loan amount you can get 2.5%.
Posted on 2/2/21 at 1:22 pm to Zachary
I closed a 20 year cash out refi a couple weeks ago at 2.6. No cash out was a couple points lower.
Posted on 2/2/21 at 1:23 pm to ChunkyLover54
you want your credit score to recover also, but your correct you need to wait one year. Rates will be good in april.
Posted on 2/2/21 at 1:23 pm to hawkeye007
What kind of fees
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