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Koolaid
LSU Fan
Member since Oct 2005
825 posts

re: Current Mortgage Rates
Can you get me locked in today if I get you information?


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ellesssuuu
Baton Rouge
Member since Mar 2016
1092 posts

re: Current Mortgage Rates
3.0 on 10 year and 15 year right now


Dock Holiday
Member since Sep 2015
1008 posts
 Online 

re: Current Mortgage Rates
Thanks, was hoping for a touch lower to help justify the closing cost and other fees to refi.


ellesssuuu
Baton Rouge
Member since Mar 2016
1092 posts

re: Current Mortgage Rates
What rate would you pull the trigger at?


Mudminnow
LSU Fan
Houston, TX
Member since Aug 2004
33071 posts

re: Current Mortgage Rates
I'm hoping for 2.65 no points on 15


SoloTiger
Member since Aug 2016
4271 posts

re: Current Mortgage Rates
That's my territory as well. 2.625-2.65. Been offered 2.75 last Friday and passed.


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11
Dock Holiday
Member since Sep 2015
1008 posts
 Online 

re: Current Mortgage Rates
quote:

What rate would you pull the trigger at


I got a 2.8 quote this afternoon with no points, low closing cost, and cash out on a 10 year.
May pull the trigger there, but still looking.


bayou choupique
LSU Fan
the banks of bayou choupique
Member since Oct 2014
1366 posts

re: Current Mortgage Rates
quote:

I just got 3.125 on a 30


closed on this same rate last week.


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10
Bryant91092
Alabama Fan
Member since Dec 2009
21653 posts

re: Current Mortgage Rates
I was initially locked at 3% on a 15 year and I’m not sure what happened, but my lender just locked me in at 2.625%. Pumped.


ellesssuuu
Baton Rouge
Member since Mar 2016
1092 posts

re: Current Mortgage Rates
Bump


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Earthmover
LSU Fan
Central
Member since Jan 2013
350 posts

re: Current Mortgage Rates
Seeking advice from people more knowledgeable than me. Current mortgage at 3.99% balance of about 185k, had mortgage since 2012, value about 280k. Thinking about cash out refinance vs heloc/ loan of about 40k to replace roof and driveway new patio etc. plan to stay in home at least 10 more years probably longer.


SDVTiger
Hawaii Fan
Off the Wall
Member since Nov 2011
43086 posts
 Online 

re: Current Mortgage Rates
Cash out and get yourself that 3.25% 30yr!



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Whatafrekinchessiebr
somewhere down river
Member since Nov 2013
1012 posts

re: Current Mortgage Rates
What are you seeing for a 30?


donRANDOMnumbers
New Orleans Pelicans Fan
Hub City
Member since Nov 2006
15474 posts

re: Current Mortgage Rates
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.



ellesssuuu
Baton Rouge
Member since Mar 2016
1092 posts

re: Current Mortgage Rates
3.25


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bishop
LSU Fan
Oklahoma City, Oklahoma
Member since Jun 2004
2128 posts

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


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20
Puffoluffagus
LSU Fan
Savannah, GA
Member since Feb 2009
4624 posts

re: Current Mortgage Rates
quote:

are only two years into a new home which we financed close to 100% through a doctors program (no PMI and other fees


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.

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.


SDVTiger
Hawaii Fan
Off the Wall
Member since Nov 2011
43086 posts
 Online 

re: Current Mortgage Rates
quote:

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


So you did pay closing costs


donRANDOMnumbers
New Orleans Pelicans Fan
Hub City
Member since Nov 2006
15474 posts

re: Current Mortgage Rates
quote:

So you did pay closing costs


lol, yeah. i just didn't want to come out of pocket right now.


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donRANDOMnumbers
New Orleans Pelicans Fan
Hub City
Member since Nov 2006
15474 posts

re: Current Mortgage Rates
quote:


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.

quote:


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.



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.


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