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Started By
Message
Just got approved for my 30 yr refi at 2.875%
Posted on 4/28/20 at 9:03 pm
Posted on 4/28/20 at 9:03 pm
HO LEE SHITE!!!!
This post was edited on 4/28/20 at 9:04 pm
6
Posted on 4/28/20 at 9:03 pm to LSUDVM1999
Wow! With who?
Posted on 4/28/20 at 9:06 pm to wasteland
Navy Federal Credit Union. However, they held my previous mortgage so I was able to get an extra 0.7 less than if the mortgage was with another lender.
Posted on 4/28/20 at 9:12 pm to LSUDVM1999
Ok that makes more sense lol
Posted on 4/28/20 at 9:23 pm to LSUDVM1999
Damn 
Posted on 4/28/20 at 9:41 pm to LSUDVM1999
So, about 3.575% without the existing customer discount? That sounds more in line with market (maybe even a wee bit high), but congrats on what you actually got. That’s incredible.
Posted on 4/28/20 at 10:37 pm to LSUDVM1999
Did you call NFCU or go to a branch office to refinance? What city? We multiple NFCU branches here in metro Atlanta, GA now.
Posted on 4/29/20 at 6:29 am to LSUDVM1999
why are you doing a 30 yr? You should be doing 15 years.
Posted on 4/29/20 at 6:33 am to Double Oh
Not true in all cases
Posted on 4/29/20 at 6:42 am to Double Oh
Oh no. Not this debate again.
Posted on 4/29/20 at 7:48 am to Double Oh
quote:
why are you doing a 30 yr? You should be doing 15 years.
Because you see all and know all. #team15
Posted on 4/29/20 at 8:02 am to LSUDVM1999
quote:
Navy Federal Credit Union. However, they held my previous mortgage so I was able to get an extra 0.7 less than if the mortgage was with another lender
Navy Federal and USAA are brilliant business models. They can legally discriminate in ways most insurance and financial institutions cannot.
Posted on 4/29/20 at 8:07 am to Double Oh
quote:
why are you doing a 30 yr? You should be doing 15 years.
Did I miss the part where he shared any additional information about his financial situation?
Posted on 4/29/20 at 9:16 am to LSUDVM1999
You all realize you can get a 2.75-2.875% 30yr whenever you want
Omg but it costs a point!
Omg but it costs a point!
Posted on 4/29/20 at 9:19 am to LSUDVM1999
Congrats. Just signed my closing disclosure for mine. 30 @ 3.375. Down from 4.5.
Posted on 4/29/20 at 9:24 am to SDVTiger
quote:
You all realize you can get a 2.75-2.875% 30yr whenever you want
Omg but it costs a point!
I locked a 2.75 30 year with Keesler in early March when the rates bottomed out. Down from my 3.75 when I bought in 2013.
I could have also had a 2.25 15 year. No points. Closed a couple weeks ago.
Posted on 4/29/20 at 9:35 am to PhiTiger1764
quote:
I could have also had a 2.25 15 year. No points.
You realize you are paying points either in the front or back
Posted on 4/29/20 at 9:40 am to SDVTiger
I don’t. Please explain..
Posted on 4/29/20 at 9:46 am to PhiTiger1764
It's either borrower paid or lender paid
If you went with a bank they dont need to disclose their YSP
But you didnt get that rate with no points or fees like you think
If you went with a bank they dont need to disclose their YSP
But you didnt get that rate with no points or fees like you think
Posted on 4/29/20 at 9:52 am to SDVTiger
Keesler is a credit union. Here were my costs.
Origination fee $1000
Processing fee $150
Credit report $32.41
Flood determination fee $10
Title fees (which I shopped for) $1251.50
Total loan costs $2443.91
Taxes and government fees $235
Prepaid interest (4/17/20-5/1/20) $142.24
Initial escrow at closing $1694.07
Total other costs $2071.31
Total (loan + other) closing costs $4515.22
Interest rate is 2.75% fixed.
APR is 2.827%
Origination fee $1000
Processing fee $150
Credit report $32.41
Flood determination fee $10
Title fees (which I shopped for) $1251.50
Total loan costs $2443.91
Taxes and government fees $235
Prepaid interest (4/17/20-5/1/20) $142.24
Initial escrow at closing $1694.07
Total other costs $2071.31
Total (loan + other) closing costs $4515.22
Interest rate is 2.75% fixed.
APR is 2.827%
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