3.0 on 10 year and 15 year right now

What rate would you pull the trigger at?

That's my territory as well. 2.625-2.65. Been offered 2.75 last Friday and passed.

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I just got 3.125 on a 30

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closed on this same rate last week.

Bump

Cash out and get yourself that 3.25% 30yr!

closed last friday. but our situation isn't as typical.

we are only two years into a new home which we financed close to 100% through a doctors program (no PMI and other fees). also we are still a good bit above jumbo with no intent of coming out of pocket to go below.

so we had a 4.65% rate and dropped to 4.125%
we reduced from at this point was 28.5 years to 25.5 years.
we did not pay a dime of closing costs, it was all wrapped up in it.
monthly note went down $200.

Locked in 3% on a 30 yr last month and closed on Monday April 27. Went from 4% to 3%.

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we did not pay a dime of closing costs, it was all wrapped up in it.

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So you did pay closing costs

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Did you shop around? Or just stick with your same company? Even for a doctor's loan that rate seems a little high. I locked in on a new purchase(not a refinance) for 3.125 on a 30.

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I was getting quotes around 3.4 from another lender. I had locked in just before everything went on a freeze for a brief period.

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i did and for jumbo i still didn't find anything better based on what we wanted to finance. obviously i would have wanted better.

when we financed a couple years ago i had Regions, and i think BOA, who also does the doctor loans. as well we looked at Chase and an independent lender.
Regions was the easiest to deal with and competitive at the time.

we actually financed around 90% 2 years ago. currently we are at 83% based on appraisal.

for this re-fi i looked at borrowing under 80% from non-physician loan lenders as well, and the jumbo rates from them were still not that great. pretty similiar to where we are now.

Frankly, dealing with Regions for the re-fi was easy, and that is what i was looking for. They have a dedicated team just for the physicians loans, they knew us, and i already knew their process.
and i don't do any active banking with them. all my stuff is with Chase.

could a better deal have existed? probably.
but i did little to no work, didn't come out of pocket, and improved my loan.
so i didn't win the Money Board loan war, but still better off than before.