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summersausage
Member since Jul 2010
1372 posts

re: Current Mortgage Rates
1000!!!


ItNeverRains
LSU Fan
Franklin, TN
Member since Oct 2007
18363 posts

re: Current Mortgage Rates
Just locked refi on Tuesday, 586250 is the limit here in Williamson Co and almost to the penny what I owe. Dropping to 2.75% from 3.75% will save $660/mo cost or refi will be $6500, recoup 11 months. 8k year savings.

I’m done telling people we’ll never see rates this low again.


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30
1lsutiger
Member since Feb 2009
9 posts

re: Current Mortgage Rates
Would you mind explaining what you mean here?


ellesssuuu
Baton Rouge
Member since Mar 2016
1494 posts

re: Current Mortgage Rates
Just teasing with Britt


OT_alter
Member since Feb 2020
13 posts

re: Current Mortgage Rates
I did a re-fi less than a year ago at 2.75% on a 15 year. Just curious, if I were to re-fi again, is there any cost savings to the title policy this soon after the previous? Or would it cost standard amount? I recall that being the most expensive component of the closing costs.


ellesssuuu
Baton Rouge
Member since Mar 2016
1494 posts

re: Current Mortgage Rates
you should get a re-issue rate which is discounted


His Dudeness
LSU Fan
The Baton Rouge
Member since Jul 2014
44 posts

re: Current Mortgage Rates
Currently Shopping a Purchase. Conventional 30 year, $350,000 Loan, 822 Credit Score


hawkeye007
LSU Fan
Member since Feb 2010
4696 posts

re: Current Mortgage Rates
2.5-2.625% ..i locked a 2.5% this morning on a purchase but there is pressure on the rates the last couple of days.


ellesssuuu
Baton Rouge
Member since Mar 2016
1494 posts

re: Current Mortgage Rates
How much you putting down?


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
Agree with him here- Rates have gone up these last two days due to the market increases --> MBS demand down. I pulled 2.75% with 80% down but this is before the market opens on 1/13/2021 so it may get better


baseballmind1212
LSU Fan
Baton Rouge
Member since Feb 2011
2876 posts

re: Current Mortgage Rates
I was approved for 2.75 conventional 30yr saturday. 10% down, 275k loan amount.

First time home buyer if that makes a difference.


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
FHA rate is 2.25% and conventional is 2.625%. I used 760 credit score


PUB
LSU Fan
New Orleans
Member since Sep 2017
8067 posts

re: Current Mortgage Rates
Which companies have the best 15 year rates on investment properties in the Florida Panhandle and Louisiana?


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
It is hard to say because each company has their own pricing mechanisms, fees, and turn times. If you want to go with the best rate, I would call or email a couple lenders directly for their rate and direct lender fees (give property value, estimated loan amount or down payment and estimated credit score). The third party fees are on the borrower to decide if they want to shop around on those - Don't get your credit pulled until you are ready to make a decision. There are some new regulations with investment condos so make sure your lender is aware if it is a condo.


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hawkeye007
LSU Fan
Member since Feb 2010
4696 posts

re: Current Mortgage Rates
i am thinking it will. I am still locking 2.625% on purchase this morning


SeaPickle
LSU Fan
Thibodaux
Member since May 2011
2900 posts

re: Current Mortgage Rates
...delete
This post was edited on 1/14 at 8:52 am


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00
TigerEyes
LSU Fan
Member since Oct 2007
1985 posts

re: Current Mortgage Rates
ellesssuuu

I sent you an email.


udtiger
LSU Fan
Louisiana
Member since Nov 2006
73484 posts

re: Current Mortgage Rates
Going from a 30 year at 4.0% to a 15 year at 2.375%. Cutting 7 years off the remaining 22 years and the monthly rate will be the less than what I am currently paying (I pay $300 extra per month).


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40
WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
Let me know if you need another rate to compare


WeAreBR
Member since Oct 2020
93 posts

re: Current Mortgage Rates
Also, debt consolidation is happening everyday in the mortgage industry. If you have at least a good amount of equity in your house, many people are saving right by getting cash out and paying off credit cards or improving home value by renovating


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