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LSUShock
LSU Fan
Kansas
Member since Jun 2014
3779 posts

re: Current Mortgage Rates
Let me know.


bigblake
Member since Jun 2011
2006 posts
 Online 

re: Current Mortgage Rates
(no message)
This post was edited on 9/4 at 2:08 am


HamCandy
LSU Fan
Team Meat
Member since Dec 2008
778 posts

re: Current Mortgage Rates
Just got quoted on a refi:

15 year 2.375
25 year 2.875

currently 4 years into a 30 year with 3.75


AndyJ
Member since Jul 2008
1945 posts
 Online 

re: Current Mortgage Rates
So I was about to lock-in on 2.125 15 year refinance. Then about 36 hours before, Fannie and Freddie sent out that bulletin with the 0.5% charge. Instead I locked in at 2.375 for 15. I signed the papers and got my appraisal... then I reached out to the bank and said pleasantly, “you essentially charged me for a few that no longer exists, what can you do to help rectify this...?” They bank got back and said it isn’t up to them but up to the investor they are selling my loan to. They “are awaiting The investor’s response.” How stuck am I being this far into the process if the “investor” says no? I imagine I’d have to pay for the appraisal. What else am I on the hook for if I walk away?


LSUtigerME
LSU Fan
Walker, LA
Member since Oct 2012
2563 posts

re: Current Mortgage Rates
I finally closed on my refi Thursday.

2.813%, 30yr, max conventional, no points.


cgrand
New Orleans Pelicans Fan
HAMMOND
Member since Oct 2009
23148 posts
 Online 

re: Current Mortgage Rates
I cleaned out my attic today and found my first house mortgage papers.
30 years, 9.5% on 95K with $50/mo PMI
1995 in Algiers USA


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60
Rust Cohle
Baton rouge
Member since Mar 2014
1339 posts

re: Current Mortgage Rates
I’m brainstorming about going from 15 years left in loan to a 30, I’ll cut my payment in half, and be able to use the money for investments. In 30 years could it be possible that the value of my home be the sum of the principal and interest paid on my home? A net 0 interest rate? Is this crazy talk? Is it just figuring the amount of interest I’d save vs the amount of money I’d make off investments, and factoring in speculatory inflation?


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ellesssuuu
Baton Rouge
Member since Mar 2016
1253 posts

re: Current Mortgage Rates
You can always walk away but you would be on the hook for the appraisal. We actually removed the fee on deals we had locked which essentially lowered the rate


SDVTiger
Hawaii Fan
Cabo San Lucas
Member since Nov 2011
46426 posts

re: Current Mortgage Rates
Just pay the small cost to get it to a 2.125 and tell them to knock down on a fee






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SoBELSUFan
LSU Fan
New Orleans LA
Member since Dec 2007
87 posts

re: Current Mortgage Rates
Can you give me your contact information (email and/or phone) for info on refi on primary property in NOLA. I think we spoke a couple of weeks ago and I lost your mobile number. Will M. in NOLA. ocllcwillm@gmail.com


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ellesssuuu
Baton Rouge
Member since Mar 2016
1253 posts

re: Current Mortgage Rates
sorry we have no one licensed in Kansas


LSUShock
LSU Fan
Kansas
Member since Jun 2014
3779 posts

re: Current Mortgage Rates
Damn, thanks for checking.


Chasin The Tiger
LSU Fan
Lake Travis, TX
Member since Sep 2012
315 posts

re: Current Mortgage Rates
Just locked in at 2.5% with no points on a 30 year conventional second home loan. Yesterday it was 2.625 and I had to wait until today to lock and I am glad I did!


PotatoChip
LSU Fan
Member since May 2014
1684 posts

re: Current Mortgage Rates
Who did you bc get the 2.5 through


Chasin The Tiger
LSU Fan
Lake Travis, TX
Member since Sep 2012
315 posts

re: Current Mortgage Rates
Max Leaman out of Austin, TX. His company is the top rated broker out there.
This post was edited on 9/2 at 8:10 pm


ellesssuuu
Baton Rouge
Member since Mar 2016
1253 posts

re: Current Mortgage Rates
get your refinances in before the FHFA bump is re-instated


FulshearTiger
Member since Jul 2015
4084 posts

re: Current Mortgage Rates
Signed the closing papers last week on a 2.375% 15 year with no points. I was previously sitting on a 30 year at 4.875%


C
Atlanta Falcons Fan
Houston
Member since Dec 2007
26441 posts
 Online 

re: Current Mortgage Rates
Locked in 2.75 on a 30year va jumbo last month. They offered to float down to 2.25 for $5600 in points. Probably going to take it. Payback in less than 3 years. Just waiting on the final paperwork

Eta: locked in today at 2.25 with $4000 in points. Very pleased.
This post was edited on 9/4 at 9:40 pm


MAUCKjersey1
LSU Fan
Houston Oil and Gas
Member since Aug 2005
2936 posts

re: Current Mortgage Rates
Just did the same


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touchdownjeebus
New Orleans Pelicans Fan
Member since Sep 2010
14706 posts

re: Current Mortgage Rates
quote:

Yes have to pay .5% for va funding fee


Unless you are 100% disabled.


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