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Started By
Message
re: mortgage interest rates
Posted on 3/6/20 at 10:30 am to lsu13lsu
Posted on 3/6/20 at 10:30 am to lsu13lsu
quote:
You cannot shop these around and you cannot compare them to other people/lenders in this thread.
Because you can't really compare closing costs apple to apple anyway, that was my point. Some companies call the Escrow money closing costs some do not, its not the same across the board.
Closing costs for a $500k house are different then for a $200k house. If anything, people should list their closing costs by a percent of their home sale. I'm just trying to help people out that don't understand why some are getting $2500 closing costs when their own may be $6000.
2
Posted on 3/6/20 at 11:06 am to TigeRoots
I want the low rate and closing costs you got. Let me know when to post my contact info. I’m in Baton Rouge.
Posted on 3/6/20 at 11:13 am to Lickitty Split
10 year really fell this morning, but rates are slow to follow. Spread seems really wide, everyone waiting?
Posted on 3/6/20 at 11:22 am to UltimaParadox
Yes, I am, for 3.0%, on the advice of my lender, but growing antsy...
Was told it was 3.125% around 930 am.
Was told it was 3.125% around 930 am.
This post was edited on 3/6/20 at 11:24 am
Posted on 3/6/20 at 11:54 am to Lickitty Split
quote:
Lickitty Split
Post it and I'll send it along.
This post was edited on 3/6/20 at 11:55 am
Posted on 3/6/20 at 12:13 pm to Jwodie
I’m still seeing 3.1% for 30 and 2.6-2.7% for 15 today.
I locked rates with 3 different lenders the last couple of days. Now that they’re sending me all of the documents I can compare what the closing costs really are.
I can’t imagine being in that line of work right now, work your arse off getting people locked at rates knowing they’re shopping other lenders at the same time.
I locked rates with 3 different lenders the last couple of days. Now that they’re sending me all of the documents I can compare what the closing costs really are.
I can’t imagine being in that line of work right now, work your arse off getting people locked at rates knowing they’re shopping other lenders at the same time.
Posted on 3/6/20 at 12:58 pm to Challenger2006
I just locked in 3.0% on a 30 yr. Held out on the 3.25 yesterday so I’m pretty pumped. Patience saved me an extra 7k
Posted on 3/6/20 at 1:17 pm to Brodeur
Well done - what lender?
Posted on 3/6/20 at 1:22 pm to Jwodie
Any idea what rates are on 10 year mortgages? I have a 15 year mortgage @ 2.75% (back in April '16), would probably want to refi into a 10 year if I could get 2.125% or lower.
Posted on 3/6/20 at 1:26 pm to GeneralLee
Any TD posters do commercial loans?
Posted on 3/6/20 at 2:12 pm to ellesssuuu
quote:
ellesssuuu
Tennessee?
Posted on 3/6/20 at 3:07 pm to baldona
quote:
Closing costs for a $500k house are different then for a $200k house. If anything, people should list their closing costs by a percent of their home sale.
Really good point. I locked in on our jumbo loan a few days ago, but my closing costs (only excluding pre-paids but including Latoya tax) are a little under 1% of the loan amount. The title insurance amounts are quoted from the bank and I'll lower those with an industry buddy. I'm lowering my rate by 1 percent and will break even around 17 months. Faster if you count the increased principal pay down for the new loan.
Hopefully that clears things up.
Posted on 3/6/20 at 3:24 pm to Oenophile Brah
Patience paid off - this afternoon locked in 3% on new 30 year refi; less than $3k closing. GMFS. Good luck baws. 
Posted on 3/6/20 at 4:38 pm to BigOrangeBri
Unfortunately No. LA, MS, TX and MS
Posted on 3/6/20 at 4:52 pm to ellesssuuu
I’m currently watching but I’m 5 years into a 30 year at 3.625% so the 30 year rates would have to drop below 3% for me to make a move.
Posted on 3/6/20 at 5:03 pm to saderade
I had the option of 3.25 with closing costs or 3.625 with full lender paid closing for everything. Ended up going the cheaper route for free.
Posted on 3/6/20 at 5:05 pm to TigerTatorTots
and your still upside down on it dude? damn. ouch
This post was edited on 3/6/20 at 5:06 pm
Posted on 3/6/20 at 5:13 pm to Mr Perfect
I dont even know what that means
Posted on 3/6/20 at 8:27 pm to ellesssuuu
quote:
Unfortunately No. LA, MS, TX and MS
Damn
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