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Started By
Message
1
Posted on 6/12/20 at 5:17 pm to thatguy
Which investor did you get that rate with?
Posted on 6/13/20 at 5:56 am to SDVTiger
Associated Credit Union in Atlanta has 2.875 30yr no points. And 2.5 15 yr no points. Closing cost 4K
Posted on 6/13/20 at 7:39 am to SDVTiger
I closed yesterday on a 2.875 for a 30 year 
This post was edited on 6/13/20 at 9:58 pm
Posted on 6/13/20 at 7:42 am to 24nights
No, you likely just bought down the rate to that low. Very few 30 year rates closing below 3 so far. The people locking in this week below 3 won’t close for a few weeks.
Posted on 6/13/20 at 7:43 am to 24nights
What's the loan amount
Posted on 6/13/20 at 7:45 am to SDVTiger
360,000
Posted on 6/13/20 at 7:48 am to LSU1018
I was told I didn’t buy any points. Maybe I bought something else 
This post was edited on 6/13/20 at 7:50 am
Posted on 6/13/20 at 8:00 am to 24nights
quote:
360,000
Was it FHA?
But that loan amount I would say no you had normal costs
Title, escrow, processing, lender fee were probably 4k then your impounds then prepaid interest to skip a months payment would all be close to 9k imo on that loan amount
Maybe you paid a small buy for the rate but you get to brag about being under 3% for a 30yr
Posted on 6/13/20 at 8:29 am to SDVTiger
.
This post was edited on 6/13/20 at 9:57 pm
Posted on 6/13/20 at 8:32 am to 24nights
Are you happy with your rate and payment?
Posted on 6/13/20 at 8:39 am to SDVTiger
This post was edited on 6/13/20 at 9:56 pm
Posted on 6/13/20 at 9:22 am to 24nights
quote:
Absolutely
Awesome. In the end that's all that matters. You got a great deal and the fees are not out of the norm
Congrats!
Posted on 6/13/20 at 11:34 am to SDVTiger
This is what I was quoted when I was getting pre-approval. Are the fees ok?
Purchase Price- $400,000
Interest Rate- 2.875% 30 years
Down Payment- $80,000
Prepaid Expenses- $2,691
Closing costs- $6,425
Purchase Price- $400,000
Interest Rate- 2.875% 30 years
Down Payment- $80,000
Prepaid Expenses- $2,691
Closing costs- $6,425
Posted on 6/13/20 at 3:03 pm to Janky
2.875 on 30 year fixed
Posted on 6/13/20 at 3:08 pm to Janky
Prepaids are included in the 6425?
If so that looks good on that loan amount
If so that looks good on that loan amount
Posted on 6/13/20 at 4:13 pm to 24nights
You’re probably counting prepaids in that 9000. You would be paying those costs regardless of closing a refinance or not. Taking those out and that is your true closing costs you paid for that 2.875
Posted on 6/13/20 at 4:56 pm to SDVTiger
quote:
Prepaids are included in the 6425?
No, add pre-paids and closing cost. Total financed would be $389 and some change.
Posted on 6/13/20 at 4:57 pm to catfish 62
quote:
2.875 on 30 year fixed
Yes, but this was a couple of weeks ago. It sure what the rates are now. Gotta find a house first.
Posted on 6/13/20 at 9:08 pm to SDVTiger
My man, thx
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