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hawkeye007
LSU Fan
Member since Feb 2010
4488 posts

re: Current Mortgage Rates
NON jumbo rate i don't do VA jumbo!!


C
Atlanta Falcons Fan
Houston
Member since Dec 2007
26322 posts
 Online 

re: Current Mortgage Rates
I know...


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bubbz
Baylor Fan
Baton Rouge
Member since Mar 2006
21783 posts
 Online 

re: Current Mortgage Rates
Are you saying your 30 yr VA is 2.375%? That is damn strong if so...


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JohnnyKilroy
New Orleans Pelicans Fan
Cajun Navy Vice Admiral
Member since Oct 2012
25901 posts

re: Current Mortgage Rates
quote:

21 day closes on a refinance what lender is promising that?


Not a promise from our lender, but I'm closing on Thursday and it will be 22 days from when I locked.


SDVTiger
Hawaii Fan
Cabo San Lucas
Member since Nov 2011
45499 posts

re: Current Mortgage Rates
quote:

21 day closes on a refinance what lender is promising that?



No one is promising but the majors are just delivering especially when they are giving appraisal waivers left and right


The Nino
Atlanta United Fan
Member since Jan 2010
20229 posts
 Online 

re: Current Mortgage Rates
We closed in 19 days with an appraisal waiver. Never thought it would happen that fast


rpg37
LSU Fan
Member since Sep 2008
36358 posts

re: Current Mortgage Rates
Closing next week on a cash-out refi 15-year at 2.875%.


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AUtigR24
Auburn Fan
Happy Hour
Member since Apr 2011
18568 posts

re: Current Mortgage Rates
Whats 30 year conventional rate now for top tier credit


bigDgator
Washington State Fan
Dallas, TX
Member since Oct 2008
22751 posts

re: Current Mortgage Rates
Well it depends on a bunch of other factors, but somewhere around 2.75-3.00% is a good rate. The market is getting better today so I wouldn't lock just yet.

Again there are a bunch of other factors that go into it and most of them will make the rate go up, not down.


SDVTiger
Hawaii Fan
Cabo San Lucas
Member since Nov 2011
45499 posts

re: Current Mortgage Rates
quote:

We closed in 19 days with an appraisal waiver. Never thought it would happen that fast



saves a bunch of time
Especially cause appraisers are busy and can be lazy


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Breadcrumbs
LSU Fan
Baton Rouge
Member since May 2005
2961 posts

re: Current Mortgage Rates
you either aren't answering emails or that email doesn't work


hawkeye007
LSU Fan
Member since Feb 2010
4488 posts

re: Current Mortgage Rates
sorry guys returning emails now


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10
hawkeye007
LSU Fan
Member since Feb 2010
4488 posts

re: Current Mortgage Rates
thats a fast close, i closed a few refi's in 30 days recently but we are locking everyone for 60 days. we are giving priority to purchase and construction loans.


LSUShock
LSU Fan
Kansas
Member since Jun 2014
3742 posts

re: Current Mortgage Rates
Man, wife and I have been knocking down her student loans and will be done when the Q2 bonus hits next week. Kept us from saving much.

When I see this thread with these rates, feel like I need to go get pre-approved. Both 800+ credit scores. Paying $1,200/month rent. Could probably have 5% down on $180-200k purchase price.


hawkeye007
LSU Fan
Member since Feb 2010
4488 posts

re: Current Mortgage Rates
you need to get pre approved. PMI with credit scores like that is not as high as you think it would be.


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10
Keithpoka
LSU Fan
gulfport,ms
Member since Nov 2013
37 posts

re: Current Mortgage Rates
I’m in the process of buying a new house and have already put the earnest money down... my credit score is in the 730s and my wife is in the 790s.putting a 20% down payment. We applied for 30 year conventional and my disclosure reads that the interest rate is 3.375. If I use this lender they pay my closing costs but I don’t see why the rate is so high and can I negotiate to a 3% ?


LSU1018
LSU Fan
Baton Rouge
Member since Feb 2007
6894 posts

re: Current Mortgage Rates
Quote out another lender also. Look at what the APR is. If you’re putting 20% down, then it may work out better for you to pay your own closing costs and get 2.75 interest rate which is what the going rate is.


Keithpoka
LSU Fan
gulfport,ms
Member since Nov 2013
37 posts

re: Current Mortgage Rates
You wouldn’t happen to know who is offering the best rates at this time do you? Keesler federal credit union looks to be at 3.125.. I haven’t found anyone offering under 3


LSU1018
LSU Fan
Baton Rouge
Member since Feb 2007
6894 posts

re: Current Mortgage Rates
Most of the lenders that post in this thread have good rates/fees. I think they have someone with Assurance, GMFS, and Hancock Whitney. I work on the title side and we have good experiences with all of them. We do not have good experiences with most online lenders.


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40
SDVTiger
Hawaii Fan
Cabo San Lucas
Member since Nov 2011
45499 posts

re: Current Mortgage Rates
Find a lender that will get you the 29 Prime with QLS



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