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Started By
Message
re: Current Mortgage Rates
Posted on 11/18/20 at 10:01 pm to ellesssuuu
Posted on 11/18/20 at 10:01 pm to ellesssuuu
Bump
0
Posted on 11/18/20 at 10:40 pm to ellesssuuu
Where are rates now compared to a few weeks ago?
Posted on 11/19/20 at 10:22 am to TigerTatorTots
.125 to .25 better depending on specifics of each loan.
Posted on 11/20/20 at 10:01 am to TigerTatorTots
Average mortgage rates inched higher yesterday. But only by the smallest measurable amount. Mortgage rates may hold steady or inch lower today.
Posted on 11/20/20 at 11:54 am to WeAreBR
Owe 240K on a home with a 302K appraisal.
Currently at 4.1% 30yr loan in year 3
Credit is 780-790
What are some 30yr and 15 yr scenarios I could expect? I feel like this something I should be doing.
Currently at 4.1% 30yr loan in year 3
Credit is 780-790
What are some 30yr and 15 yr scenarios I could expect? I feel like this something I should be doing.
Posted on 11/20/20 at 12:12 pm to Revan11
30 year rate today is 2.5% with monthly payment of $948
15 year rate today is 2.125% with monthly payment of $1558
You LTV is 79.47% so you couldn't add much to the loan amount without having to pay MI insurance. You could go up on your rate if you wanted some credit on closing costs. Otherwise you would have to come out of pocket at closing
15 year rate today is 2.125% with monthly payment of $1558
You LTV is 79.47% so you couldn't add much to the loan amount without having to pay MI insurance. You could go up on your rate if you wanted some credit on closing costs. Otherwise you would have to come out of pocket at closing
Posted on 11/20/20 at 1:21 pm to WeAreBR
so refi's are out there at 2.5 for 30yr%?
im on 2.65% 15 with 100k left, value 450, was thinking about taking cash out and extending.
assuming i can't get 2.5% and take 100k out?
im on 2.65% 15 with 100k left, value 450, was thinking about taking cash out and extending.
assuming i can't get 2.5% and take 100k out?
Posted on 11/20/20 at 1:31 pm to FMtTXtiger
I am going to make your Friday. With the information you gave me, $450k value, $100k loan, $100k cash out, the 15 year rate is 2.25%, $1310 monthly payment. That does not include closing costs or escrows but we could add it to the loan amount since your LTV is 44%. I used a credit score of 760. I would have to run yours to get the best estimate
Posted on 11/21/20 at 2:57 pm to WeAreBR
I'm in year 9 of a 20 year mortgage 5.04% interest, $82k principal balance, home value ~$230k.
What are my refinance options (10 year?), or, should I even refinance?
Thanks
What are my refinance options (10 year?), or, should I even refinance?
Thanks
Posted on 11/21/20 at 6:47 pm to ellesssuuu
What are we looking at on a refi rate on a rental with a 15 or 20 year loan excellent credit? The house value is $150,000 and the loan amount would be $110,000.
Posted on 11/21/20 at 9:20 pm to Cuz413
You should definitely refinance.
Posted on 11/22/20 at 8:54 am to Cuz413
Without closing costs or escrows included (760 credit score), I am pulling:
10 year: 2% for a monthly payment of $755
15 year: 2% for a monthly payment of $528
Your LTV is 35% so you could go up on the loan amount if you wanted a cash out
10 year: 2% for a monthly payment of $755
15 year: 2% for a monthly payment of $528
Your LTV is 35% so you could go up on the loan amount if you wanted a cash out
Posted on 11/22/20 at 8:59 am to Lickitty Split
Here are the rates I am pulling today without closing costs or escrows (760 credit):
15 year: 2% for a monthly payment of $708
20 year: 2.25% for a monthly payment of $570
15 year: 2% for a monthly payment of $708
20 year: 2.25% for a monthly payment of $570
Posted on 11/22/20 at 9:37 am to WeAreBR
My credit score is 722. I'm not sure why it isn't higher. It could be because I don't have any credit cards so according to them I have no credit space. No late payments, no defaults, no bankruptcy.
Posted on 11/22/20 at 9:51 am to WeAreBR
Those are great numbers. Are you affiliated with ellessuu or different group?
What’s the best way to contact you?
What’s the best way to contact you?
Posted on 11/22/20 at 10:36 am to Cuz413
I updated the credit score and the rates/paymenys did not change
Posted on 11/22/20 at 10:41 am to Lickitty Split
I work for a company based called The Mortgage Firm. I do not have a retail office here so my margins are typically strong. We are closing refinances between 30-45 days depending on . You can email me at britt dot bowker @ tmf.mortgage dot com
Posted on 11/22/20 at 4:44 pm to WeAreBR
What fees do you charge?
Posted on 11/22/20 at 6:44 pm to WeAreBR
Let me know if anyone has accomplished this with Chase home mortgage....
Refinanced with them in May @ 3.25%. Have other offers to refinance again now at 2.75%. Chase’s own website says their refinance rate for my parameters is currently 2.875%. Has anyone gotten chase to just tear up their prom note or do a modification such that there is little to no closing costs?
I know Chase is a huge company that probably doesnt care about losing my loan, and losing my loan would be their only incentive to lower my rate, but just seeing if they can do this.
Refinanced with them in May @ 3.25%. Have other offers to refinance again now at 2.75%. Chase’s own website says their refinance rate for my parameters is currently 2.875%. Has anyone gotten chase to just tear up their prom note or do a modification such that there is little to no closing costs?
I know Chase is a huge company that probably doesnt care about losing my loan, and losing my loan would be their only incentive to lower my rate, but just seeing if they can do this.
Posted on 11/23/20 at 7:28 am to LSU1018
We have flat fees that total $1420 (processing, underwriting and credit fees)
3rd party fees vary: Title, government transfer and recording fees, and escrows (if included)
3rd party fees vary: Title, government transfer and recording fees, and escrows (if included)
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