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Started By
Message
re: mortgage interest rates
Posted on 3/4/20 at 10:56 am to lsu13lsu
Posted on 3/4/20 at 10:56 am to lsu13lsu
quote:Who did you use?
I locked in 3.125 but had some nice lender credits and no appraisal cost. My cost to close are super low. I would like to think I may never refinance again but you never know. They may go negative.
2
Posted on 3/4/20 at 10:57 am to TigerTatorTots
Buying points for 500 from 3.125 to 3 probably. What sucks is I just refinanced at 3.75 late last year but we are staying in this house for the long haul so it’s worth it to me. Note drops 130 more a month about.
30 year conventional.
30 year conventional.
This post was edited on 3/4/20 at 10:59 am
Posted on 3/4/20 at 10:57 am to Gorilla Ball
I'm locked in at 2.375% for 15 years.
I was at 4.375% over 30.
I'm beyond happy today!
I was at 4.375% over 30.
I'm beyond happy today!
Posted on 3/4/20 at 11:04 am to Displaced
Who’d you use amigo?
I’ve reached out to GMFS, Nola Lending, and Mr. Cooper(current mortgage company)
Who all do I need to be hitting up?
I’ve reached out to GMFS, Nola Lending, and Mr. Cooper(current mortgage company)
Who all do I need to be hitting up?
Posted on 3/4/20 at 11:05 am to Challenger2006
Navy Federal credit Union
Posted on 3/4/20 at 11:06 am to Displaced
I am at 4.875% right now, but plan on moving in the next 12-18 months. It pains me to see these low rates and not being able to move on them.
Posted on 3/4/20 at 11:41 am to lsu13lsu
Looks like you got a nice rate. I'm seeing 0.288 points and no credits for a 3.125%
Posted on 3/4/20 at 11:45 am to TigerTatorTots
Just locked in 3.0% 30 year. No points. 3500 closing costs including new appraisal. GMFS
$400/month in the pocket!!
$400/month in the pocket!!
Posted on 3/4/20 at 11:46 am to Gorilla Ball
Has anyone seen 2.85% on a new 30-year refi today...? 3.0% seemed to be the best offer as of yesterday.
Posted on 3/4/20 at 11:47 am to tigerfanatic61
quote:
ust locked in 3.0% 30 year. No points. 3500 closing costs including new appraisal. GMFS
What are GMFS' lender fees in that quote? They quoted me a 3.0% 30 year with ~$4,000 in closing costs which includes their lending fees of $1295 but without a new appraisal needed...
Posted on 3/4/20 at 11:52 am to Jwodie
$1295 lender fees itemized out. I couldn’t get an appraisal waiver from Freddie Mac.
I did receive a $750 lender credit that itemized out in another area that’s taken off due to the fact I am a repeat GMFS customer (they are my current mortgage holder)
To be fair the way it’s put together and written I also have $4,028 in closing costs. Minus the 750 credit, they owe me $500 at closing. Lender said she was going to clean this up rather than writing me a check but it comes out to 3500 total (of which I have to pay 500 out of pocket for appraisal )
I did receive a $750 lender credit that itemized out in another area that’s taken off due to the fact I am a repeat GMFS customer (they are my current mortgage holder)
To be fair the way it’s put together and written I also have $4,028 in closing costs. Minus the 750 credit, they owe me $500 at closing. Lender said she was going to clean this up rather than writing me a check but it comes out to 3500 total (of which I have to pay 500 out of pocket for appraisal )
This post was edited on 3/4/20 at 11:57 am
Posted on 3/4/20 at 11:52 am to Jwodie
Locked in 20 year at 2.875% today. Original was 30 year at 3.75% with 25 years remaining
Posted on 3/4/20 at 11:55 am to tigerfanatic61
quote:
$1295 lender fees itemized out. I couldn’t get an appraisal waiver from Freddie Mac.
I did receive a $750 lender credit that itemized out in another area that’s taken off due to the fact I am a repeat GMFS customer (they are my current mortgage holder)
They are my current lender as well, so my contact must be withholding that $750 lender credit from me, good to know.
Not sure why my closing fees are quoted at $4,000 without need for appraisal when yours are $3,500 including a new appraisal...
Posted on 3/4/20 at 11:58 am to Jwodie
See previous post- I edited to reflect quote more specifically.
Definitely ask about the $750 credit!
Definitely ask about the $750 credit!
Posted on 3/4/20 at 12:07 pm to readysetgeaux
quote:
Locked in 20 year at 2.875% today. Original was 30 year at 3.75% with 25 years remaining
Where? Everybody should help out us money talk baws.
Posted on 3/4/20 at 12:22 pm to LSU9102
Standard Mortgage
Posted on 3/4/20 at 12:49 pm to LSU9102
Locked with SoFi. 2.875 on a 30yr refinance. No appraisal
Posted on 3/4/20 at 12:50 pm to Displaced
quote:
I'm locked in at 2.375% for 15 years.
Where did you get that offer from?
Chase gave me 2.75 for 15 year
Posted on 3/4/20 at 12:57 pm to tigerfanatic61
Response from GMFS - what is this BS?
quote:
We have received two unfavorable pricings already today, I will still honor the 3.0% rate but cannot go any lower. I also cannot offer a lender credit without giving you a higher interest rate.
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