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Posted on 5/24/20 at 10:42 am to Lickitty Split
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.
Posted on 5/24/20 at 11:40 am to Lickitty Split
Closing on a 30 yr refi at 3.125% on Friday through Whitney Bank.
Posted on 5/24/20 at 9:38 pm to Josephl78
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.
Posted on 5/24/20 at 10:15 pm to ellesssuuu
Texas.
This post was edited on 5/25/20 at 8:19 am
Posted on 5/24/20 at 11:05 pm to AndyJ
They are higher depending on LTV and credit score
Posted on 5/25/20 at 11:02 pm to ellesssuuu
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...
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...
Posted on 5/26/20 at 12:11 pm to touchdown moses
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.
Posted on 5/26/20 at 12:36 pm to touchdown moses
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.
Posted on 5/26/20 at 1:28 pm to AUHighPlainsDrifter
You should not have to buy down a rate in this environment.
Posted on 5/26/20 at 1:31 pm to touchdown moses
I am at 3.375 this afternoon
Posted on 5/26/20 at 1:42 pm to Janky
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.
Posted on 5/26/20 at 2:40 pm to touchdown moses
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 5/26/20 at 2:42 pm
Posted on 5/26/20 at 2:51 pm to Mark Makers
i would get a quote at 3% thats where you need to be.
Posted on 5/26/20 at 4:37 pm to hawkeye007
Hawkeye, is your company doing 20 years? If so, do you know the current rate?
Posted on 5/26/20 at 7:46 pm to hawkeye007
Got 3.125% APR earlier. Awaiting another quote to get back to me tonight.
Posted on 5/26/20 at 8:11 pm to lynxcat
For those interested I close on my refi loan tomorrow with Assurance in BR. They have been straight forward and easy to work with.
Locked in at 2.625% with no up front points on 4/30 on a 15 year fixed.
Total loan costs (lender fees and title fees) on 158K loan $2,597. Other loan costs (prepaids, escrow, etc.) $2,276. Paying closing in cash.
Was at 22 years left on a 30 year fixed at 3.75%. I will save approx. $40k in interest with new loan if loan is paid out as amortized. Monthly note is increasing $192 per month.
Locked in at 2.625% with no up front points on 4/30 on a 15 year fixed.
Total loan costs (lender fees and title fees) on 158K loan $2,597. Other loan costs (prepaids, escrow, etc.) $2,276. Paying closing in cash.
Was at 22 years left on a 30 year fixed at 3.75%. I will save approx. $40k in interest with new loan if loan is paid out as amortized. Monthly note is increasing $192 per month.
This post was edited on 5/26/20 at 8:28 pm
Posted on 5/26/20 at 8:30 pm to SoloTiger
I locked in with Assurance last week on a 20 year at 3%. Was 4 years into a 30 year so I’ll save a considerable amount in interesting. Not sure when I’ll close yst
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