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gsvar2004
LSU Fan
Member since Nov 2007
5675 posts

What are y’all seeing for 30 yr fixed rates currently?
We just finished building and I need to lock in a rate. Unfortunately it seems as if we have missed the lowest of the Lows. Just curious what every is seeing currently. All the typical sites show 3.75 to 4. TIA


jimbeam
USA Fan
University of LSU
Member since Oct 2011
64194 posts

re: What are y’all seeing for 30 yr fixed rates currently?
I just got 3.75


stein_burgundy
LSU Fan
Member since Jan 2016
646 posts

re: What are y’all seeing for 30 yr fixed rates currently?
Closed on a 20 yr refi at 3.625 about 5 weeks ago. Down from our 30 yr at 4.675.


kywildcatfanone
Kentucky Fan
Wildcat Country!
Member since Oct 2012
71545 posts

re: What are y’all seeing for 30 yr fixed rates currently?
Chase is showing 3.75 for a 30 and 3.0 for a 15.


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Phate
New Orleans Saints Fan
Baton Rouge
Member since Mar 2006
11326 posts

re: What are y’all seeing for 30 yr fixed rates currently?
I locked in 3.625 last month.


LSU1018
LSU Fan
Baton Rouge
Member since Feb 2007
6905 posts

re: What are y’all seeing for 30 yr fixed rates currently?
3.75 on a 30 today.


MrJimBeam
New Orleans Saints Fan
Member since Apr 2009
4405 posts
 Online 

re: What are y’all seeing for 30 yr fixed rates currently?
Just a couple weeks back got 3.75 on a 30 year.


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slinger1317
Houston Astros Fan
Northshore
Member since Sep 2005
4088 posts

re: What are y’all seeing for 30 yr fixed rates currently?
I was offered 3.75 on a 30 yr fixed last month through a BR lender. Bought it down to 3.5, closed on it last week.


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LNCHBOX
LSU Fan
70448
Member since Jun 2009
62722 posts

re: What are y’all seeing for 30 yr fixed rates currently?
quote:

I just got 3.75




Ditto.


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BallsEleven
LSU Fan
Member since Mar 2019
2172 posts

re: What are y’all seeing for 30 yr fixed rates currently?
About to close on a 3.25 refi

Down from 4.75 a year ago


kengel2
LSU Fan
Team Gun
Member since Mar 2004
17558 posts
 Online 

re: What are y’all seeing for 30 yr fixed rates currently?
quote:

About to close on a 3.25 refi


With who?


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MrJimBeam
New Orleans Saints Fan
Member since Apr 2009
4405 posts
 Online 

re: What are y’all seeing for 30 yr fixed rates currently?
On a 30 year mortgage?


BallsEleven
LSU Fan
Member since Mar 2019
2172 posts

re: What are y’all seeing for 30 yr fixed rates currently?
Yeah, VA loan. About time too, I've been waiting almost 2 months.


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ellesssuuu
Baton Rouge
Member since Mar 2016
1252 posts

re: What are y’all seeing for 30 yr fixed rates currently?
Conventional rates are 3.75%. If you have a government loan you will get slightly better.


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lsufan112001
USA Fan
sportsmans paradise
Member since Oct 2006
9433 posts

re: What are y’all seeing for 30 yr fixed rates currently?
How much are closing costs on a re-finance ?


Doctor Strangelove
Mississippi St. Fan
Member since Feb 2018
1602 posts

re: What are y’all seeing for 30 yr fixed rates currently?
I have a quote for 3.0% apr for a “jumbo” loan at 15 year fixed rate. It is with a 3rd party through a bank. They sell the loan to a investment group. Amount to borrow is $700-900k.

Banks rate is 3.75% for same terms and amt.

ETA: looking at borrowing a large amount to put on a house and keep the money from sale of my old house in the market. From my calculations, if I can make 5-10% in the market I can make about $250-400k over 15 years by paying the 3% interest. Thoughts?
This post was edited on 11/13 at 10:15 pm


MrJimBeam
New Orleans Saints Fan
Member since Apr 2009
4405 posts
 Online 

re: What are y’all seeing for 30 yr fixed rates currently?
(no message)
This post was edited on 11/14 at 7:25 am


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JohnnyKilroy
New Orleans Pelicans Fan
Cajun Navy Vice Admiral
Member since Oct 2012
26190 posts

re: What are y’all seeing for 30 yr fixed rates currently?
I just did 3.75% and my closing costs were approximately 1800 on a 400k mortgage.
This post was edited on 11/14 at 7:22 am


thedogman
New Orleans Saints Fan
Member since Dec 2008
2163 posts

re: What are y’all seeing for 30 yr fixed rates currently?
I am at 4.25% and 5 years into a 30-year loan. Would a 3.75% be worth refinancing to? I have thought about this several times but always end up holding off.


MrJimBeam
New Orleans Saints Fan
Member since Apr 2009
4405 posts
 Online 

re: What are y’all seeing for 30 yr fixed rates currently?
Half a percent may not be worth it. Most say close to 1 percent drop or more, but the reality is it depends on your situation. If you plan on living there for a long time, then look at the amortization schedule. If you need a lower note due to life changes then you would be able to do that as well here. There's a few ways to look at it, but for me, I dropped an entire percentage and compared amortizations to where it'll be 2, maybe 3 years to break even. I don't plan on moving for a very, very long time. I will be saving a shitload every month from the break even point with a note that's 250 less than when I started.


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