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Started By
Message
Mortgage Rates
Posted on 3/30/09 at 9:09 am
Posted on 3/30/09 at 9:09 am
I've been watching www.bankrate.com pretty regularly since December of last year. This is the first time I have seen the national average of a 30 year mortgage below 5% on the site. It is now listed at 4.93%. Is now the time to refinance? I don't want to wait and regret not pulling the trigger.
5
Posted on 3/30/09 at 9:36 am to spslayto
I have been watching them also. I'm getting very close to pulling the trigger. I look at it this way, I'd rather go ahead and lock in at 4.85% or somewhere around that rather than attempting to wait for something lower and completely miss out.
Posted on 3/30/09 at 11:17 am to Hammond Tiger Fan
i talked to my mortgage guy about a month ago and he told me to wait until 4.75%
Posted on 3/30/09 at 11:17 am to spslayto
Paging Big Nate
Posted on 3/30/09 at 12:02 pm to Hammond Tiger Fan
just a guess, but i'll bet it drops a little more before spiking back up.
Posted on 3/30/09 at 12:15 pm to spslayto
I locked in at 4.75!!
Posted on 3/30/09 at 1:26 pm to KLSU
Locked 4.5% on a 30yr about 10 days ago.
Posted on 3/30/09 at 1:43 pm to spslayto
I wouldn't get too greedy.....you can't go wrong with anything below 5.......
Posted on 3/30/09 at 1:50 pm to West Monroe
That's my thinking. If I can lock at 4.5 to 4.75, that's still better than my 6%.
Posted on 3/30/09 at 1:56 pm to West Monroe
quote:
I wouldn't get too greedy.....you can't go wrong with anything below 5.......
Agreed.
I locked in 4.8% on my house I closed on a few weeks ago.
Posted on 3/30/09 at 1:58 pm to Ziggy
quote:
I locked in 4.8% on my house I closed on a few weeks ago.
If I may ask...
Did you pay points?
What was the total of the closing costs?
Posted on 3/30/09 at 3:13 pm to bzss7x
FYI: I was just quoted 4.5 for 30 years buying 1 point. I think I'm going to lock.
Posted on 3/30/09 at 3:57 pm to bignate76
Where the heck you been all day? 
Posted on 3/30/09 at 4:00 pm to spslayto
sick this morning then i brought my arse to work and its been a busy day..i almost forgot to check in on the money board..i know i need to be 
Posted on 3/30/09 at 4:03 pm to spslayto
do not bother nate, he is quite busy. 
Posted on 3/30/09 at 4:05 pm to Colonel Hapablap
yea working on Colonels loan...ask him about his rate ...
Posted on 3/30/09 at 4:07 pm to bignate76
What's your rate Colonel?
Posted on 3/30/09 at 4:08 pm to Ziggy
no points was 4.5%. I paid a little extra to get it down to 4.375%.
Posted on 3/30/09 at 4:08 pm to Colonel Hapablap
quote:
no points was 4.5%. I paid a little extra to get it down to 4.375%.
Very nice.
You can't be anything in the 4's really.
Posted on 3/30/09 at 4:09 pm to Ziggy
I plan on doing a short sale and/or getting a bailout when prices in BR collapse.
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