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ellesssuuu
Baton Rouge
Member since Mar 2016
1181 posts

re: Current Mortgage Rates
Text me at 225-229-8971 and I can get you a better rate


Grinder
LSU Fan
Member since Nov 2007
395 posts

re: Current Mortgage Rates
Anyone here know refi rates in TN?

Looking at a 30 year Jumbo Refi with 50% LTV and credit scores over 800.



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

re: Current Mortgage Rates
QLS is bringing it back

They will be the one you want to look at
Just get a local broker who uses them

Maybe Hawk or Ellesuu use them


BigOrangeBri
Tennessee Fan
Nashville- 4th & 19
Member since Jul 2012
10648 posts

re: Current Mortgage Rates
Well boyz, it looks like my patience paid off and I'll no longer have to check this thread daily.

Bout to lock in at 2.25% on a 15 year. My mortgage payment is gonna be cheaper on the 15 year than it currently is on my 20 year. Lololol

F&M Bank of middle TN

Of course, if anyone can get me a better rate I'll flip flop like a politician


ellesssuuu
Baton Rouge
Member since Mar 2016
1181 posts

re: Current Mortgage Rates
Not us


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

re: Current Mortgage Rates
You are missing out


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That's BS
New Orleans Pelicans Fan
Smoothie King Center
Member since Jan 2012
1725 posts

re: Current Mortgage Rates
Anyone ever heard or dealt with AmeriSave Mortgage? Just did the Lending Tree thing and their "offer" is quite impressive.


30 yr fixed
Rate 2.25%
APR 2.459%


Aug1
Member since Nov 2013
49 posts

re: Current Mortgage Rates
Nice. Anyone know a lender around Birmingham that is offeing these types of rates on a 30yr fixed?


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otowntiger
LSU Fan
O-Town
Member since Jan 2004
13722 posts

re: Current Mortgage Rates
I have a question- we owe about 55k on our mortgage that is a 20 year fixed rate of 4.85%. We have been paying extra payments to get it down to where it is and hope to have it paid off in 4 -5 years m.. Does it make mathematical sense to refinance now for , say a 10 year loan at the current lower rates, and continue paying it down on the same time schedule we’re currently on (4-5 years)? I know I’d need to figure in the cost of refinancing, i.e. points, other loan fees, etc. But just wondering if we’d come out ahead.
This post was edited on 8/6 at 3:28 pm


lsujro
LSU Fan
BR
Member since Jul 2007
3271 posts

re: Current Mortgage Rates
quote:

otowntiger


google refinance calculator and fill in your numbers. i suspect it would be worth it given how high your current loan is - you could get 2.5% improvement or better on a 15 year note. at that rate, i'd pull some cash out


Dellort
Mississippi St. Fan
Member since Jun 2014
480 posts

re: Current Mortgage Rates
Currently on a 7/1 ARM rolling off soon.

Locked in 30 year rate for 3.25% earlier in June. Bring $2500 to closing for escrow and costs (close to getting rid of PMI ~85% LTV) Still have not finalized and I'm out $475 if I back out.

Local lender I'm very familiar with offered 2.6% on 30 year. $3,000 to closing with another $3,000 rolled into my loan.

What would the OT do?


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FinleyStreet
Georgia Fan
TN
Member since Aug 2011
6298 posts
 Online 

re: Current Mortgage Rates
quote:

F&M Bank of middle TN

Of course, if anyone can get me a better rate I'll flip flop like a politician


F&M has the best rates in Middle TN as far as I've seen.


JAMAC2001
LSU Fan
Central, LA
Member since Jan 2013
1222 posts

re: Current Mortgage Rates
OT mortgage pros, any insight into current rates for VA mortgage refi? 800 credit score if it matters. Expected closing costs?

I am one year into mortgage with 3.25, 30 year. I shopped around and this was a solid rate when I purchased. Should I hold tight for now?

Just retired from the military and no plans to move. Living in Central,LA


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

re: Current Mortgage Rates
Go to UWM Conquest. Find a Broker that uses them
You can get a full point lower

Or wait a bit

Ginned Mae was just bought for 11bil and rates on 30yr might go lower


mortgagemanlc
LSU Fan
Member since Jul 2020
4 posts

re: Current Mortgage Rates
I’m a Broker we’ve been doing UWM Conquest deals 30 year at 2.625 (no points $1055 UW Fee) and 2.25% 15 Year (No points $1055 underwriting fee)


ellesssuuu
Baton Rouge
Member since Mar 2016
1181 posts

re: Current Mortgage Rates
Just quoted VA streamline at 2.25


Northwestern tiger
Minnesota Fan
Minneapolis
Member since Oct 2005
21918 posts

re: Current Mortgage Rates
quote:


I’m a Broker we’ve been doing UWM Conquest deals 30 year at 2.625 (no points $1055 UW Fee) and 2.25% 15 Year (No points $1055 underwriting fee)


What's the total closing cost?

My latest quote:
Loan Amount $187,000.00
Maximum LTV 70%
Rate 2.625%
Term (Years) 30 Year Fixed
Closing Fees Included w Loan Amount $2,755
Payment $751.09
Taxes $230.30
Home Insurance $108.33
Apx Total Payment $1,089.72
This post was edited on 8/6 at 8:43 pm


mortgagemanlc
LSU Fan
Member since Jul 2020
4 posts

re: Current Mortgage Rates
Assuming your aren’t rolling escrow? $2-$3k is probably close on fees not including escrow/prepaid

$1055 UW fee
$650 -Title Fee
$400- Lenders Title Insurance
$305 Recording Fee

Plus prepaid/escrow

I am sure appraisal is waived at that LTV as well


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mortgagemanlc
LSU Fan
Member since Jul 2020
4 posts

re: Current Mortgage Rates
Freedom? They are killing it on VA right now but turn times are crazy.


ellesssuuu
Baton Rouge
Member since Mar 2016
1181 posts

re: Current Mortgage Rates
Either agency or Pennymac


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