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Started By
Message
1
Posted on 3/5/20 at 12:54 pm to KingofZydeco
Pretty much exact same thing I got quoted, from GMFS, in Baton Rouge.
Posted on 3/5/20 at 12:58 pm to MrJimBeam
Good to know...
I originally purchased August 2018 at a 4.625% rate... so big savings for me!!!!
I originally purchased August 2018 at a 4.625% rate... so big savings for me!!!!
Posted on 3/5/20 at 1:06 pm to KingofZydeco
I wish I was patient like you. I was 4.75 then refinance late last year at 3.75. Oh well, still a great rate. Considering the jump down again but I just don't know how much I care to do it 
Posted on 3/5/20 at 1:28 pm to MrJimBeam
I tested the waters about a year ago and my current mortgage holder (Wells Fargo) could only drop the rate about 0.4% then. I kind of forgot about it until the recent news of the rate drops. I hadn't realized how far they have dropped over the last 12 months.
Posted on 3/5/20 at 1:48 pm to KingofZydeco
quote:
$3000 closing cost
I'm assuming when you guys say stuff like this you mean before your escrowed money? As in $3000 before your insurance and property taxes?
Posted on 3/5/20 at 1:50 pm to baldona
quote:
'm assuming when you guys say stuff like this you mean before your escrowed money? As in $3000 before your insurance and property taxes?
I hope so because insurance and taxes are not "closing costs".
Posted on 3/5/20 at 2:09 pm to hawkeye007
I think i responded to everyone that emailed me. If i didn't i please resend the email.
Posted on 3/5/20 at 2:21 pm to hawkeye007
quote:
hawkeye007
Sounds like I missed the boat yesterday on getting a new 30-year refi at 3.0%, eh? Do you think that's gone for the foreseeable future and I should jump on 3.125 or 3.25 if that is what is being offered now...?
Posted on 3/5/20 at 2:38 pm to hawkeye007
YGM
Posted on 3/5/20 at 3:09 pm to hawkeye007
quote:
Remember if they are not charging you closing cost your rate is paying for you closing. GOOD LUCK everyone!
Yes, if you are shopping, make sure you figure in all the different aspects: Closing Costs, Points, Rate. I don't know if they purposefully do it to make it confusing. But, I had a spreadsheet working over time to make fair comparisons.
Posted on 3/5/20 at 3:35 pm to hawkeye007
Sent you another email.
Posted on 3/5/20 at 4:04 pm to kengel2
I submitted for a rate quote through Costco mortgage and had my phone blowing up within minutes
Got quoted 3.25 percent with the chance to buy down to 3%. Massive savings vs my current rate potentially
Got quoted 3.25 percent with the chance to buy down to 3%. Massive savings vs my current rate potentially
Posted on 3/5/20 at 4:44 pm to NOLAGT
Where did you get the 3.25 with a cash out?
Posted on 3/5/20 at 4:59 pm to uptowntiger84
Locked in 2.625% today for 15, had about 16 left @ 3.75%. Should save around $20K over the life of the loan. $4K closing and $550 appraisal (if needed).
Posted on 3/5/20 at 5:04 pm to HYDRebs
quote:
Don’t know about that, 10 yr. treasury back below 1% and even creeping to .9 this morning. We still may see even lower. Again though if you can lock in bettering your financial position right now why risk it.
10 year Treasury now pushing the boundary of .9% Went just below it briefly. Would not be surprised to see it push through it over night at this point.
Posted on 3/5/20 at 5:52 pm to ellesssuuu
ellesssuuu
Looking to refinance.
Shoot me an email....
Looking to refinance.
Shoot me an email....
This post was edited on 3/6/20 at 9:03 am
Posted on 3/5/20 at 6:11 pm to TigeRoots
Where did you get this rate TigeRoots?
Posted on 3/5/20 at 6:27 pm to lsu13lsu
quote:
I hope so because insurance and taxes are not "closing costs".
You can call them whatever you want, but yes they are expenses to close your mortgage even to refinance. Its money that has to be brought to the table. Not everyone, including you considering you don't know what an APR is, is a mortgage pro on this board. There's a lot of variation to closing "costs", so I was just throwing it out there that some maybe including those and some may not so if your costs are $6000 and you can't figure out why when someone else's maybe $2500 for instance.
Posted on 3/5/20 at 6:55 pm to CHEDBALLZ
Will do. Will send this evening. Working on 4 other TD’s.
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