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AndyJ
Member since Jul 2008
1833 posts

re: Current Mortgage Rates
Do banks ever go below their published rates?


SDVTiger
Hawaii Fan
Off the Wall
Member since Nov 2011
43086 posts
 Online 

re: Current Mortgage Rates
Yes


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10
FearlessFreep
Auburn Fan
Baja Alabama
Member since Nov 2009
9671 posts

re: Current Mortgage Rates
Closing this week on a 10-year refi at 3.125% (down from 3.5%), no closing costs. Probably could’ve gotten lower but its my local credit union and they won’t sell the loan, which is important to me.


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01
Josephl78
LSU Fan
Ponchatoula
Member since Oct 2010
616 posts

re: Current Mortgage Rates
Closing on a 30 yr refi at 3.125% on Friday through Whitney Bank.


lynxcat
Rutgers Fan
Member since Jan 2008
21258 posts

re: Current Mortgage Rates
Looking to get preapproved as soon as possible. Recommended lenders with the best rates currently? I’m seeing a lot of 3.125% for a 30 yr fixed. Excellent credit and 20% down won’t be a problem.


ellesssuuu
Baton Rouge
Member since Mar 2016
1092 posts

re: Current Mortgage Rates
What state?


lynxcat
Rutgers Fan
Member since Jan 2008
21258 posts

re: Current Mortgage Rates
Texas.
This post was edited on 5/25 at 8:19 am


ellesssuuu
Baton Rouge
Member since Mar 2016
1092 posts

re: Current Mortgage Rates
I am licensed in TX. You can reach me at 225-229-8971


AndyJ
Member since Jul 2008
1833 posts

re: Current Mortgage Rates
How do cash out refinances affect rates?


ellesssuuu
Baton Rouge
Member since Mar 2016
1092 posts

re: Current Mortgage Rates
They are higher depending on LTV and credit score


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Member since 2001
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touchdown moses
New Orleans Saints Fan
eunice, LA
Member since Nov 2009
5929 posts

re: Current Mortgage Rates
Just agreed to purchase house at 295k with 70k down.. wife and I Both 760+ credit scores.
The broker that we got pre approved with was hitting us with 3.6 rate.. getting a different quote from another broker tomorrow so hopefully we can get one of these 3.25 ish deals I keep seeing out there...


MaxDraft
LSU Fan
Baton Rouge
Member since Aug 2019
210 posts

re: Current Mortgage Rates
quote:

Just agreed to purchase house at 295k with 70k down.. wife and I Both 760+ credit scores.
The broker that we got pre approved with was hitting us with 3.6 rate.




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01
AUHighPlainsDrifter
Auburn Fan
South Carolina
Member since Sep 2017
64 posts
 Online 

re: Current Mortgage Rates
quote:

Just agreed to purchase house at 295k with 70k down.. wife and I Both 760+ credit scores.
The broker that we got pre approved with was hitting us with 3.6 rate.. getting a different quote from another broker tomorrow so hopefully we can get one of these 3.25 ish deals I keep seeing out there...


If you're planning to keep the property long term, ask your lender if you can "buy down" the rate. It makes good financial sense to pay a few points up front to secure a lower rate for 30 years.


Janky
LSU Fan
Team Primo
Member since Jun 2011
32263 posts

re: Current Mortgage Rates
You should not have to buy down a rate in this environment.


ellesssuuu
Baton Rouge
Member since Mar 2016
1092 posts

re: Current Mortgage Rates
I am at 3.375 this afternoon


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00
AUHighPlainsDrifter
Auburn Fan
South Carolina
Member since Sep 2017
64 posts
 Online 

re: Current Mortgage Rates
quote:

You should not have to buy down a rate in this environment.


You never "have to" buy down a rate, but that doesn't mean it isn't financially prudent to do so, regardless of how low the rates are.


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hawkeye007
LSU Fan
Member since Feb 2010
4285 posts
 Online 

re: Current Mortgage Rates
that broker needs his head checked. locked a 15yr rate on highloan value at 2.5% this morning.still locking 30yr rates at 3%. my email is in this thread if you want to take advantage of this
This post was edited on 5/26 at 2:42 pm


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hawkeye007
LSU Fan
Member since Feb 2010
4285 posts
 Online 

re: Current Mortgage Rates
i would get a quote at 3% thats where you need to be.


PotatoChip
LSU Fan
Member since May 2014
1637 posts

re: Current Mortgage Rates
Hawkeye, is your company doing 20 years? If so, do you know the current rate?


lynxcat
Rutgers Fan
Member since Jan 2008
21258 posts

re: Current Mortgage Rates
Got 3.125% APR earlier. Awaiting another quote to get back to me tonight.


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