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Started By
Message
4.625%
Posted on 5/13/11 at 2:44 pm
Posted on 5/13/11 at 2:44 pm
Mrs. Slim and I are looking for a house with more room. We got our pre-approval and were quoted 4.625% 30-year fixed. 
That's 3/4 of a point lower than what we got in 2005. I wanted to see if this was about what most people are getting right now.
That's 3/4 of a point lower than what we got in 2005. I wanted to see if this was about what most people are getting right now.
10
Posted on 5/13/11 at 2:45 pm to notslim99
Yes
Posted on 5/13/11 at 2:49 pm to notslim99
i was offered 4.3 last week 0/0.
Posted on 5/13/11 at 3:01 pm to notslim99
That seems about right 0/0. FWIW my realtor says they don't expect rates to go anywhere significant for the next 3 years.
Posted on 5/13/11 at 3:15 pm to ItNeverRains
your realtor is blowing smoke FYI.
Posted on 5/13/11 at 3:30 pm to TortiousTiger
quote:
your realtor is a REALTOR
Posted on 5/13/11 at 3:32 pm to ItNeverRains
quote:
FWIW my realtor says they don't expect rates to go anywhere significant for the next 3 years.
First of all, realtors are about as qualified as office furniture to talk about finance.
Secondly, assuming he did have the foresight to legitimately see that far into the future, he would be smarter than 99.9999999999999999999% of people in the entire universe. I'm going out on a limb and saying that Stephen Hawking isn't your realtor.
Posted on 5/13/11 at 4:16 pm to notslim99
quote:
4.625%
quote:
I wanted to see if this was about what most people are getting right now.
4.25 % here, but I re-financed into a 15 year mortgage.
Posted on 5/13/11 at 4:21 pm to Will Cover
quote:
Posted by Will Cover on 5/13 at 4:16 pm to notslim99 quote: 4.625% quote: I wanted to see if this was about what most people are getting right now. 4.25 % here, but I re-financed into a 15 year mortgage. Post Reply • Back to Top • Refresh
You should have got better than that with a 15 yr
Posted on 5/13/11 at 4:29 pm to LSU1018
quote:
You should have got better than that with a 15 yr
At the time I re-financed, this was the best rate that I could find.
I'm happy. I reduced my term agreements and I am only spending approximately $300 more per month.
Posted on 5/13/11 at 4:58 pm to ItNeverRains
quote:
my realtor says they don't expect rates to go anywhere significant for the next 3 years.
Ask your realtor if he was telling his clients 3 years ago that the market was still hot with no end in sight.
Posted on 5/13/11 at 5:42 pm to notslim99
4.375% on a 30yr in August.
Wishing I had done 15yr since I'm paying more than the note difference in additional principal payments and could have gotten 3.75%.
Wishing I had done 15yr since I'm paying more than the note difference in additional principal payments and could have gotten 3.75%.
Posted on 5/13/11 at 5:56 pm to notslim99
I got 4.75 on a refinance on a rental property. 15 year 
Posted on 5/13/11 at 6:24 pm to Will Cover
quote:
At the time I re-financed, this was the best rate that I could find. I'm happy. I reduced my term agreements and I am only spending approximately $300 more per month.
Thats a great rate. I just thought you meant you had just refied to that. The rates have been dropping the last couple weeks
Posted on 5/13/11 at 10:23 pm to LSUKTR
They actually had 2 days in Sep/Oct that they had a 30yr 3.75% We were able to get 3.95% for a week or two and then rates starting going up and went up quick. I think they went up to 4.25% in a week or so and then up to 5.25% within two weeks.
It's all timing when rates get that low and the bank actually has to give it to you.
It's all timing when rates get that low and the bank actually has to give it to you.
Posted on 5/13/11 at 10:28 pm to notslim99
Are you paying 1pt origination?
That is a good rate. You might be able to get an 1/8 lower but would have to catch the right day. You were able to get 4.5% earlier in the week but the past 2 days no so much.
Good luck
That is a good rate. You might be able to get an 1/8 lower but would have to catch the right day. You were able to get 4.5% earlier in the week but the past 2 days no so much.
Good luck
Posted on 5/14/11 at 11:21 am to David Wooderson
pre-approved two weeks ago for 4.5% first time homey buyer FHA
Posted on 5/15/11 at 10:58 am to foshizzle
quote:
Ask your realtor if he was telling his clients 3 years ago that the market was still hot with no end in sight.
She actually did tell me, she's a friend of family. I sold in summer of 08' for 257k. Could buy the house back for under 200k now.
As far as interest rates, of course it could be flat out wrong. But her best friend, also my mortgage broker, feels the same way.
If I came out and said "interest rates will definitely not go up for 3 years cause my realtor said so", I apologize.
Posted on 5/15/11 at 10:18 pm to notslim99
4.00% on a 30 yr back in November.
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