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holy SHIT at these mortgage refinance rates

https://owning.com/
odious mustard coldplay fan
  09/09/20
still low, but do take note of this "All quoted rate...
Cruel-hearted arousing stage
  09/09/20
that means it's included in the quoted rate for the APR
odious mustard coldplay fan
  09/09/20
LMAO you have a lot to learn
Chartreuse New Version
  09/09/20
No Closing Costs Are available on rate/term and limited c...
odious mustard coldplay fan
  09/09/20
Yes it says borrower pays the discount points. Can you read
Chartreuse New Version
  09/09/20
do you know the difference between the quoted rate and the A...
odious mustard coldplay fan
  09/09/20
Yes APR is irrelevant here. Discount points cost money. Is t...
Chartreuse New Version
  09/09/20
I guarantee you 2% fixed is not a zero cost refinance.
Coiffed Meetinghouse
  09/09/20
lmfao
Aromatic school
  09/09/20
Lol. Yeah, just do 2 percent 30 year no prepayment penalty....
hateful walnut macaca market
  09/09/20
Should I refi my 30 year from 3.5 to 2.5 even if I plan to p...
Poppy property queen of the night
  09/09/20
Depends on how much your closing costs are. Might as well g...
canary wonderful therapy
  09/09/20
Fuck I went 3.75 in December.
ultramarine kitchen messiness
  09/09/20
ljl wtf?
histrionic church
  09/09/20
Rates in the op are about a point lower than my credit union...
ultramarine kitchen messiness
  09/09/20
one weird trick for getting fucked is going through a CU for...
Aromatic school
  09/09/20
They are not very professional but I put through an owner oc...
ultramarine kitchen messiness
  09/09/20
(guy who has a tiny mortgage)
odious mustard coldplay fan
  09/09/20
It would be a VA IRRRL, closing costs aren’t that much...
Poppy property queen of the night
  09/09/20
Damn it. Just refinanced from 3.7 to 2.87
Salmon supple rigpig
  09/09/20
lol you got fucked
histrionic church
  09/09/20
I just refinanced a 1,100,000 loan for 2.25% thirty year fix...
histrionic church
  09/09/20
you must have 1mil+ in assets with a major bank, congrats
odious mustard coldplay fan
  09/09/20
I have over $1 MM in other assets but not with the lender An...
histrionic church
  09/09/20
what lender did you use if you dont mind me asking then?
odious mustard coldplay fan
  09/09/20
...
histrionic church
  09/09/20
ty ill call them. 2.25% jumbo 30 year fixed is unheard of wi...
odious mustard coldplay fan
  09/09/20
i just called them and they said they can't do better than 3...
odious mustard coldplay fan
  09/09/20
It was a VA loan
histrionic church
  09/09/20
based
message board of ill repute
  06/30/26
just closed 2.99 like a month ago. not doing shit until we g...
Chartreuse New Version
  09/09/20
still could be fucked if housing declines 20% with the rest ...
marvelous old irish cottage
  09/09/20
stupid question but where do you fags find these rates? I've...
racy theater
  09/09/20
(guy who is only checking with Bank of america because his c...
Salmon supple rigpig
  09/09/20
i check chase, TD, wells fargo, etc. like i said, I don't t...
racy theater
  09/09/20
oh yeah, Bank Of America or Wells Fargo never buttfuck you ...
Salmon supple rigpig
  09/09/20
so do you have an answer to my question or just want to be a...
racy theater
  09/09/20
get a mortgage broker who can shop them around. BOA and Wel...
Salmon supple rigpig
  09/09/20
Cr, and make sure to survey local credit unions too. I got t...
Flirting bossy cruise ship
  09/09/20
where do I find a mortgage broker - won't they take a fee an...
plum nibblets hunting ground
  09/09/20
they take a fee. BOA takes a fee too. The guy doing your B...
Salmon supple rigpig
  09/09/20
Ok. How do I find a broker
plum nibblets hunting ground
  09/09/20
look up CIBM Mortgage. They just did mine.
Salmon supple rigpig
  09/09/20
Thanks pal
plum nibblets hunting ground
  09/09/20
ask your rich friends who they used, because i guarantee you...
Aromatic school
  09/09/20
You’ve got it wrong. Wells is akin to retail and mom...
Coiffed Meetinghouse
  09/09/20
lenders getting the first search results on google prob aren...
racy theater
  09/10/20
You can now get 30 yr at 2.375 for 0 points, LMFAO
very tactful orchestra pit associate
  11/05/20
Dammit. I can’t get a jumbo loan. 675 middle credit sc...
Beta Travel Guidebook Locus
  11/05/20
Help me
Beta Travel Guidebook Locus
  11/05/20
move to non-coastal area where you can afford a house withou...
very tactful orchestra pit associate
  11/05/20
who has lowest rates and costs? looking at 15 yr better.c...
plum nibblets hunting ground
  11/05/20
check on zillow, i may be copping 2.375 from there lmfao
very tactful orchestra pit associate
  11/05/20
I need an I/O jumbo TYVMIA
onyx thriller sanctuary
  11/05/20
(House poor)
Coiffed Meetinghouse
  11/05/20
those can't be real. around 2% for 15 year fixed? I'd like...
Cordovan philosopher-king
  11/05/20
i am currently locked at 2.375 30 year, i think 15s should b...
very tactful orchestra pit associate
  11/05/20
What's your balance bro?
Chartreuse New Version
  11/05/20
non jumbo
very tactful orchestra pit associate
  11/05/20
makes sense. i'm slightly under the 700k jumbo but best i ca...
Chartreuse New Version
  11/05/20
it changes every day, i just checked and the best i could fi...
very tactful orchestra pit associate
  11/05/20
What are the closing costs for that? Do you pay for any poi...
canary wonderful therapy
  11/05/20
No points, total to close will be around 1000
very tactful orchestra pit associate
  11/05/20
Bankrate.com
Coiffed Meetinghouse
  11/05/20


Poast new message in this thread



Reply Favorite

Date: September 9th, 2020 2:44 PM
Author: odious mustard coldplay fan

https://owning.com/

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893449)



Reply Favorite

Date: September 9th, 2020 2:49 PM
Author: Cruel-hearted arousing stage

still low, but do take note of this

"All quoted rates are including 1% discount points"

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893476)



Reply Favorite

Date: September 9th, 2020 2:52 PM
Author: odious mustard coldplay fan

that means it's included in the quoted rate for the APR

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893492)



Reply Favorite

Date: September 9th, 2020 2:54 PM
Author: Chartreuse New Version

LMAO you have a lot to learn

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893508)



Reply Favorite

Date: September 9th, 2020 2:58 PM
Author: odious mustard coldplay fan

No Closing Costs

Are available on rate/term and limited cash out refinance transactions only. Owning will pay the following third party closing costs on behalf of the Borrower: appraisal fees, credit report fees, flood certification fees, escrow/closing fees, signing fees, title insurance fees (lenders policy and endorsements). The Borrower is responsible for paying: prepaid interest, property taxes, state mortgage/transfer taxes, all types of insurance, existing lender payoff fees, survey fees, inspection fees and discount points (if Borrower chooses to pay discount points to buy down the interest rate). Minimum loan amount is $300,000.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893535)



Reply Favorite

Date: September 9th, 2020 3:35 PM
Author: Chartreuse New Version

Yes it says borrower pays the discount points. Can you read

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893808)



Reply Favorite

Date: September 9th, 2020 3:36 PM
Author: odious mustard coldplay fan

do you know the difference between the quoted rate and the APR?

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893810)



Reply Favorite

Date: September 9th, 2020 3:38 PM
Author: Chartreuse New Version

Yes APR is irrelevant here. Discount points cost money. Is this a starter home for u

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893823)



Reply Favorite

Date: September 9th, 2020 4:51 PM
Author: Coiffed Meetinghouse

I guarantee you 2% fixed is not a zero cost refinance.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894340)



Reply Favorite

Date: September 9th, 2020 5:45 PM
Author: Aromatic school

lmfao

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894625)



Reply Favorite

Date: September 9th, 2020 7:04 PM
Author: hateful walnut macaca market

Lol. Yeah, just do 2 percent 30 year no prepayment penalty.

Banks hate him!

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40895041)



Reply Favorite

Date: September 9th, 2020 3:17 PM
Author: Poppy property queen of the night

Should I refi my 30 year from 3.5 to 2.5 even if I plan to pay it off within 10-12 years?

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893667)



Reply Favorite

Date: September 9th, 2020 3:22 PM
Author: canary wonderful therapy

Depends on how much your closing costs are. Might as well go to 15 years if you’re going to pay it off fast.

I refid 30 year to 3.25% 2 months ago and these rates are looking juicy enough in temped to go again.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893707)



Reply Favorite

Date: September 9th, 2020 3:23 PM
Author: ultramarine kitchen messiness

Fuck I went 3.75 in December.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893717)



Reply Favorite

Date: September 9th, 2020 3:27 PM
Author: histrionic church

ljl wtf?

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893746)



Reply Favorite

Date: September 9th, 2020 3:37 PM
Author: ultramarine kitchen messiness

Rates in the op are about a point lower than my credit union right now

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893816)



Reply Favorite

Date: September 9th, 2020 5:47 PM
Author: Aromatic school

one weird trick for getting fucked is going through a CU for a mortgage

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894632)



Reply Favorite

Date: September 9th, 2020 7:07 PM
Author: ultramarine kitchen messiness

They are not very professional but I put through an owner occupied 15 year at 2.3 in 2011. I told the guy we were likely moving if my wife got pregnant and we ended up doing just that a couple months later. Kept the house.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40895050)



Reply Favorite

Date: September 9th, 2020 3:34 PM
Author: odious mustard coldplay fan

(guy who has a tiny mortgage)

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893796)



Reply Favorite

Date: September 9th, 2020 3:49 PM
Author: Poppy property queen of the night

It would be a VA IRRRL, closing costs aren’t that much.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893871)



Reply Favorite

Date: September 9th, 2020 3:22 PM
Author: Salmon supple rigpig

Damn it. Just refinanced from 3.7 to 2.87

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893713)



Reply Favorite

Date: September 9th, 2020 3:27 PM
Author: histrionic church

lol you got fucked

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893742)



Reply Favorite

Date: September 9th, 2020 3:26 PM
Author: histrionic church

I just refinanced a 1,100,000 loan for 2.25% thirty year fixed. Paid one point.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893738)



Reply Favorite

Date: September 9th, 2020 3:33 PM
Author: odious mustard coldplay fan

you must have 1mil+ in assets with a major bank, congrats

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893792)



Reply Favorite

Date: September 9th, 2020 3:34 PM
Author: histrionic church

I have over $1 MM in other assets but not with the lender And I didn’t even tell the lender about them.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893805)



Reply Favorite

Date: September 9th, 2020 3:36 PM
Author: odious mustard coldplay fan

what lender did you use if you dont mind me asking then?

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893815)



Reply Favorite

Date: September 9th, 2020 3:51 PM
Author: histrionic church



(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893881)



Reply Favorite

Date: September 9th, 2020 3:52 PM
Author: odious mustard coldplay fan

ty ill call them. 2.25% jumbo 30 year fixed is unheard of without major money with a bank.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893888)



Reply Favorite

Date: September 9th, 2020 3:56 PM
Author: odious mustard coldplay fan

i just called them and they said they can't do better than 3.25% on a refinance of a jumbo mortgate at 30 year fixed. tsk tsk

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893912)



Reply Favorite

Date: September 9th, 2020 4:51 PM
Author: histrionic church

It was a VA loan

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894339)



Reply Favorite

Date: June 30th, 2026 6:27 PM
Author: message board of ill repute

based

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#49971978)



Reply Favorite

Date: September 9th, 2020 3:28 PM
Author: Chartreuse New Version

just closed 2.99 like a month ago. not doing shit until we get rates around 2.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893752)



Reply Favorite

Date: September 9th, 2020 3:37 PM
Author: marvelous old irish cottage

still could be fucked if housing declines 20% with the rest of the economy

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893818)



Reply Favorite

Date: September 9th, 2020 3:59 PM
Author: racy theater

stupid question but where do you fags find these rates? I've been checking like every day and aside from weird internet scam shit it seems like nothing has moved from 3.125% in a while. never heard of owning.com but it seems fishy.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893927)



Reply Favorite

Date: September 9th, 2020 4:06 PM
Author: Salmon supple rigpig

(guy who is only checking with Bank of america because his checking account is there)

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893985)



Reply Favorite

Date: September 9th, 2020 4:10 PM
Author: racy theater

i check chase, TD, wells fargo, etc. like i said, I don't trust those skectchball internet banks. at a minimum they probably buttfuck you with random fees

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894014)



Reply Favorite

Date: September 9th, 2020 4:13 PM
Author: Salmon supple rigpig

oh yeah, Bank Of America or Wells Fargo never buttfuck you with random fees. They charge a higher interest rate because they're more honest than every other bank that is regulated by the FDIC lol

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894039)



Reply Favorite

Date: September 9th, 2020 4:14 PM
Author: racy theater

so do you have an answer to my question or just want to be a snarky faggot?

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894049)



Reply Favorite

Date: September 9th, 2020 4:18 PM
Author: Salmon supple rigpig

get a mortgage broker who can shop them around. BOA and Wells are notoriously higher on mortgages. They count on dupes just refinancing with them because they have their checking account there and its "easier" as if paying a mortgage on a second website is that hard.

If I were you, i'd contact a mortgage broker, get him to quote you a rate, then run back to your BFF at BOA and see if they match it. Chances are, they suddenly will get approval to give you a lower rate

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894075)



Reply Favorite

Date: September 9th, 2020 4:26 PM
Author: Flirting bossy cruise ship

Cr, and make sure to survey local credit unions too. I got the best result from them.

I ultimately would not go with a fly-by-night internet place where you aren't dealing with one person and they lose all ur paperwork 5x.

If you have $$$, you can tell Bank X you'll move all ur shit to them if they beat the low bid, etc.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894137)



Reply Favorite

Date: September 9th, 2020 4:31 PM
Author: plum nibblets hunting ground

where do I find a mortgage broker - won't they take a fee and make it more expensive than an online shop

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894177)



Reply Favorite

Date: September 9th, 2020 4:33 PM
Author: Salmon supple rigpig

they take a fee. BOA takes a fee too. The guy doing your BOA refinance isn't doing it for free.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894193)



Reply Favorite

Date: September 9th, 2020 4:44 PM
Author: plum nibblets hunting ground

Ok. How do I find a broker

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894293)



Reply Favorite

Date: September 9th, 2020 4:46 PM
Author: Salmon supple rigpig

look up CIBM Mortgage. They just did mine.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894304)



Reply Favorite

Date: September 9th, 2020 4:48 PM
Author: plum nibblets hunting ground

Thanks pal

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894321)



Reply Favorite

Date: September 9th, 2020 5:50 PM
Author: Aromatic school

ask your rich friends who they used, because i guarantee you no rich person is shopping for a mortgage themselves

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894645)



Reply Favorite

Date: September 9th, 2020 5:05 PM
Author: Coiffed Meetinghouse

You’ve got it wrong. Wells is akin to retail and mom and pop shops are wholesale.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894420)



Reply Favorite

Date: September 10th, 2020 7:54 AM
Author: racy theater

lenders getting the first search results on google prob aren't mom and pop shops

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40897405)



Reply Favorite

Date: November 5th, 2020 1:13 PM
Author: very tactful orchestra pit associate

You can now get 30 yr at 2.375 for 0 points, LMFAO

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41286963)



Reply Favorite

Date: November 5th, 2020 1:18 PM
Author: Beta Travel Guidebook Locus

Dammit. I can’t get a jumbo loan. 675 middle credit score =(

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287041)



Reply Favorite

Date: November 5th, 2020 1:34 PM
Author: Beta Travel Guidebook Locus

Help me

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287251)



Reply Favorite

Date: November 5th, 2020 1:34 PM
Author: very tactful orchestra pit associate

move to non-coastal area where you can afford a house without a jumbo loan

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287259)



Reply Favorite

Date: November 5th, 2020 1:17 PM
Author: plum nibblets hunting ground

who has lowest rates and costs? looking at 15 yr

better.com

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287019)



Reply Favorite

Date: November 5th, 2020 1:23 PM
Author: very tactful orchestra pit associate

check on zillow, i may be copping 2.375 from there lmfao

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287106)



Reply Favorite

Date: November 5th, 2020 1:19 PM
Author: onyx thriller sanctuary

I need an I/O jumbo

TYVMIA

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287051)



Reply Favorite

Date: November 5th, 2020 1:28 PM
Author: Coiffed Meetinghouse

(House poor)

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287179)



Reply Favorite

Date: November 5th, 2020 1:27 PM
Author: Cordovan philosopher-king

those can't be real. around 2% for 15 year fixed? I'd like to believe but when you call even if you have perfect credit the real rate is probably higher.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287162)



Reply Favorite

Date: November 5th, 2020 1:29 PM
Author: very tactful orchestra pit associate

i am currently locked at 2.375 30 year, i think 15s should be expected to be slightly less, so not that unrealistic.

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287190)



Reply Favorite

Date: November 5th, 2020 1:30 PM
Author: Chartreuse New Version

What's your balance bro?

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287200)



Reply Favorite

Date: November 5th, 2020 1:30 PM
Author: very tactful orchestra pit associate

non jumbo

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287201)



Reply Favorite

Date: November 5th, 2020 1:32 PM
Author: Chartreuse New Version

makes sense. i'm slightly under the 700k jumbo but best i can find is 2.5

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287230)



Reply Favorite

Date: November 5th, 2020 1:33 PM
Author: very tactful orchestra pit associate

it changes every day, i just checked and the best i could find was also 2.375. but if you keep checking you can probably find lower

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287240)



Reply Favorite

Date: November 5th, 2020 2:05 PM
Author: canary wonderful therapy

What are the closing costs for that? Do you pay for any points?

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287541)



Reply Favorite

Date: November 5th, 2020 6:48 PM
Author: very tactful orchestra pit associate

No points, total to close will be around 1000

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41290670)



Reply Favorite

Date: November 5th, 2020 2:03 PM
Author: Coiffed Meetinghouse

Bankrate.com

(http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#41287533)