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iAmBatman
USA Fan
The Batcave
Member since Mar 2011
10775 posts

re: Current Mortgage Rates
call it 90%


ellesssuuu
Baton Rouge
Member since Mar 2016
1483 posts
 Online 

re: Current Mortgage Rates
Purchase or refinance?


PierPunk
LSU Fan
#BugaNation
Member since Apr 2013
3168 posts

re: Current Mortgage Rates
Looking at buying some rental properties from a relative, approx $350k value. What kind of down payment is normal for rental investments?


bbatta11
Member since Jul 2014
35 posts

re: Current Mortgage Rates
Refi rates on 30 yr cash out for a rental duplex? $500k value, 760+ credit score


iAmBatman
USA Fan
The Batcave
Member since Mar 2011
10775 posts

re: Current Mortgage Rates
quote:

refinance


HYDRebs
Ole Miss Fan
Houston
Member since Sep 2014
1179 posts

re: Current Mortgage Rates
2.875% range in 30 year


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ellesssuuu
Baton Rouge
Member since Mar 2016
1483 posts
 Online 

re: Current Mortgage Rates
2.625%


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10
WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
How much do you have remaining on the loan and how much do you want cash back?


bbatta11
Member since Jul 2014
35 posts

re: Current Mortgage Rates
Balance is $250k and would want max LTV which i think is 70% or $350k


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
2.5% for 30 year refinance or 2.675% with $1000 credit towards closing


iAmBatman
USA Fan
The Batcave
Member since Mar 2011
10775 posts

re: Current Mortgage Rates
quote:

2.5% for 30 year refinance or 2.675% with $1000 credit towards closing



how much in closing costs for the 2.5%


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
If you think you can get me documents quickly, we could do a rate of 3.124% with P&I of $1499.

Also, I can only lend in LA so the property would need to be in LA


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FlyFisherman
Member since Dec 2020
40 posts

re: Current Mortgage Rates
I’m interested too. 15 yr refi rates and your best guess CC on 350k.


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
Only additional fees that will come at closing are the following

- $1420 origination fee: This is a set fee
- $2500 lawyer closing costs: Vary upon what title company you choose
- $530 government recording fees: Vary upon parish

Things that may be added if needed:
- $500 appraisal


C
Atlanta Falcons Fan
Houston
Member since Dec 2007
26729 posts

re: Current Mortgage Rates
$2500 lawyer closing costs:

Title company?


iAmBatman
USA Fan
The Batcave
Member since Mar 2011
10775 posts

re: Current Mortgage Rates
quote:

Only additional fees that will come at closing are the following

- $1420 origination fee: This is a set fee
- $2500 lawyer closing costs: Vary upon what title company you choose
- $530 government recording fees: Vary upon parish

Things that may be added if needed:
- $500 appraisal


not worth the lower interest rate


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
I always go high when I give ppl estimates. Is 99% of the time a lot less, but better to be conservative. The borrower gets the choice of title company and sees the rates before committing

And yes, title/lawyer costs


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WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
Typically investment and cash out rates are a little higher. Market views is as “most risky” since it is not your primary property


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
What is your estimated credit score? And is your house is valued at $350k or is that the remaining value? How much for cash out?

FYI: I can only lend in LA so if you need another state numbers, I’ll get you in touch with my colleague who has similar rates but is licensed nationwide.


FlyFisherman
Member since Dec 2020
40 posts

re: Current Mortgage Rates
I’m in LA.

I have no idea what my credit score is, haven’t checked in years, over 700 for sure.

House is valued at 450-500k. No cash out, just refi. Originally financed 8 years ago at 3.25 on a 30 year. Owe 300k plus about 50k on a Heloc wanna combine all into a 15 yr.


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