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holy SHIT at these mortgage refinance rates
Poast new message in this thread
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) |
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" |
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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) |
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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) |
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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. |
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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) |
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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) |
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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) |
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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) |
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Date: September 9th, 2020 5:45 PM Author: Aromatic school lmfao (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40894625) |
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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! |
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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) |
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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. |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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Date: September 9th, 2020 3:51 PM Author: histrionic church (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Firm#40893881) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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 |
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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. |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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Date: November 5th, 2020 1:17 PM Author: plum nibblets hunting ground who has lowest rates and costs? looking at 15 yr
better.com |
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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) |
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Date: November 5th, 2020 1:19 PM Author: onyx thriller sanctuary I need an I/O jumbo TYVMIA |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |
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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) |