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Zachary
Member since Jan 2007
1053 posts

New Current Mortgage Rates Thread
30-yr. refi fixed, south Louisiana?

Thank you.
This post was edited on 2/1 at 5:06 pm


fallguy_1978
LSU Fan
Half mile from St George
Member since Feb 2018
33835 posts
 Online 

re: New Current Mortgage Rates Thread
We refinanced ours a few weeks ago. I think ours was 2.35% - 20 yr.


greygoose
Auburn Fan
Member since Aug 2013
4858 posts

re: New Current Mortgage Rates Thread
I got 2.25% on a 30 year, last week. It's a VA loan though, so that may be an exception.


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71
Olric
New Orleans Pelicans Fan
New Orleans
Member since Jul 2015
1255 posts

re: New Current Mortgage Rates Thread
I closed on a 30 year 2.75% Tuesday


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20
Drunken Crawfish
USA Fan
Crushing 'skis at Tobin's house
Member since Apr 2017
3142 posts

re: New Current Mortgage Rates Thread
Did a 2.5 with no origination fee for our cash-out refi.


Teddy Ruxpin
LSU Fan
Member since Oct 2006
35875 posts

re: New Current Mortgage Rates Thread
Not in LA, but got quoted 2.95 on a jumbo refi today, so I'm sure conventionals are in the toilet. Let's ride!


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MrCEO
LSU Fan
Bora Bora
Member since Jun 2017
174 posts

re: New Current Mortgage Rates Thread
2.625% straight refi


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Open Your Eyes
Member since Nov 2012
5289 posts

re: New Current Mortgage Rates Thread
quote:

Did a 2.5 with no origination fee for our cash-out refi.


Who’d you go with?


TastyJibblets
North of I-10
Member since Jun 2018
613 posts

re: New Current Mortgage Rates Thread
What companies are yall going with? I'm getting quotes of 2.8%, 2.9%


fallguy_1978
LSU Fan
Half mile from St George
Member since Feb 2018
33835 posts
 Online 

re: New Current Mortgage Rates Thread
Mine was with Freedom Mortgage in New Jersey. I locked that rate in late last year and had to postpone my closing because we all got the Rona. We just closed like 2 weeks ago. I just double checked and it's 2.375%.


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10
blueboxer1119
LSU Fan
Baton Rouge
Member since May 2013
3217 posts

re: New Current Mortgage Rates Thread
Was told Business First Bank in BR waives closing costs if you open checking account and have 10k balance.

Was told this today.

If true, thats a pretty sweet deal.


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50
junkfunky
LSU Fan
Member since Jan 2011
28479 posts

re: New Current Mortgage Rates Thread
Don't feel like starting a new thread on this but:

I'd love to get in on these rates but I'm not adding months to my mortgage. Is a 5yr term a thing?


WeAreBR
Member since Oct 2020
125 posts

re: New Current Mortgage Rates Thread
5 year is possible- Best to go to a bank where it will be a portfolio product for them


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ChunkyLover54
Hawaii Fan
Member since Apr 2015
5607 posts

re: New Current Mortgage Rates Thread
How much time you think we got?

I'm fricked until april, had a late payment due to switching banks and apparently never updated the auto pay info (though I remember doing so). Of course they said nothing until it was 30 days late. Was told I cant refi with a late payement within 12 months.



boogiewoogie1978
Arkansas Fan
Little Rock
Member since Aug 2012
11774 posts

re: New Current Mortgage Rates Thread
quote:

30-yr. refi fixed, south Louisiana?


My advice would be to move.


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210
DRock88
Member since Aug 2015
2916 posts

re: New Current Mortgage Rates Thread
I just did a straight line (no cash out) through Freedom at 2.5% for 25 years at no cost. The original mortgage was also through Freedom 5 years ago around 3.375%. Huge difference in monthly payment and big savings on interest in the long term.
This post was edited on 2/2 at 1:20 pm


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hawkeye007
LSU Fan
Member since Feb 2010
4751 posts

re: New Current Mortgage Rates Thread
rates are going to depend on loan amount, LTV, and credit score. I am quoting most clients 2.75%-2.875% right now on non cash out refinances on 30yr rates. If you are borrowing over 360k and have a sub 70% LTV you can see 2.625%. 15yr rates are 2.25% for most clients. Once again with the right LTV and loan amount you can get 2.5%.


PotatoChip
LSU Fan
Member since May 2014
2276 posts
 Online 

re: New Current Mortgage Rates Thread
I closed a 20 year cash out refi a couple weeks ago at 2.6. No cash out was a couple points lower.


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hawkeye007
LSU Fan
Member since Feb 2010
4751 posts

re: New Current Mortgage Rates Thread
you want your credit score to recover also, but your correct you need to wait one year. Rates will be good in april.


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jimbeam
US Army Fan
University of LSU
Member since Oct 2011
70832 posts
 Online 

re: New Current Mortgage Rates Thread
What kind of fees


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