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iAmBatman
USA Fan
The Batcave
Member since Mar 2011
10775 posts

re: Current Mortgage Rates
quote:

Typically investment and cash out rates are a little higher.


not an investment or cash out situation

quote:

Market views is as “most risky” since it is not your primary property


it is my primary residence...just wanting to get a lower note if possible


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
For 15 year - 2.25% for P&I monthly payment of $2293


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
2.5% for P&I monthly payment of $1245. You would need to be quick with your documents to get it closed in 30 days


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00
FlyFisherman
Member since Dec 2020
40 posts

re: Current Mortgage Rates
With 1K credit in CC?


dirtytigers
New Orleans Pelicans Fan
225
Member since Dec 2014
1529 posts

re: Current Mortgage Rates
I locked in 2.75% on 205k loan for my first house yesterday


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80
OldHickory
LSU Fan
New Orleans
Member since Apr 2012
7467 posts

re: Current Mortgage Rates
Someone in NOLA referred me to Eustis. Good company to deal with?


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
Yes - I always recommend people get more than one quote, but don't get them to pull your credit every time. If you know your estimated credit score, the lender can give an estimated rate.

If you need more quotes, let me know and I can pull it for you. Currently closing refinances between 30 - 45 days and purchases less than 30 days


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10
WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
Email or call me and we can discuss further but yes, there is lender credit is 2.25% - $1500


jmorr34
LSU Fan
Baton Rouge
Member since Sep 2004
1900 posts

re: Current Mortgage Rates
What are the rates and terms of a land loan? Would not be building yet. Just purchasing land with plans to build within next few years.


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
Unfortunately my company doesn’t do land only purchase lending


oneg8rh8r
LSU Fan
Port Ludlow, WA
Member since Dec 2003
1964 posts

re: Current Mortgage Rates
I have 2.25% fixed / 30 yr with Caliber on a Jumbo over 1M.

With all the credits I am getting, it is costing me 2K out of pocket and that is for my taxes, which I'll get back from my current escrow.


ellesssuuu
Baton Rouge
Member since Mar 2016
1483 posts
 Online 

re: Current Mortgage Rates
rates are still low so if you need options please message me with the scenarios


Sho Nuff
New Orleans Saints Fan
Hawaii
Member since Feb 2009
10437 posts

re: Current Mortgage Rates
Was just informed the limits increased for jumbo. In Hawaii it was around $767k and now it's $822k. I was just about to do paperwork on a jumbo refi @ 3% costing me a 1/2 point. I was happy enough with it. Out of the blue, an old tenant of mine who now works at AmeriSave tells me he can get me 2.375% with lender credit on a conforming refi. I'm hoping this goes through with no issues. That's crazy low.


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
Yes, jumbo is back in the market with competitive rates


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00
ellesssuuu
Baton Rouge
Member since Mar 2016
1483 posts
 Online 

re: Current Mortgage Rates
Rates have increased recently so if you have not refinanced now is the time before you miss out


jmorr34
LSU Fan
Baton Rouge
Member since Sep 2004
1900 posts

re: Current Mortgage Rates
quote:

Rates have increased recently so if you have not refinanced now is the time before you miss out


What kind of rates are you still seeing on 15,20,30 year conventional loans?


ellesssuuu
Baton Rouge
Member since Mar 2016
1483 posts
 Online 

re: Current Mortgage Rates
What’s the balance, estimated value and credit score?


jmorr34
LSU Fan
Baton Rouge
Member since Sep 2004
1900 posts

re: Current Mortgage Rates
quote:

What’s the balance, estimated value and credit score?


New purchase. 10-20% down. 810 credit score.


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
If you are based in Louisiana - here is the scenario I put in and the rates I am getting back

$350,000 purchase price
$280,000 down (LTV is 80%)
FICO: 760
10 year rate - 2.125% P&I payment of $2592
20 year rate - 2.5% P&I payment of $1484
30 year rate- 2.625% P&I payment of $1125

Reach out if you want more pricing scenarios


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10
ellesssuuu
Baton Rouge
Member since Mar 2016
1483 posts
 Online 

re: Current Mortgage Rates
Same pricing as below but better service!!


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