How low can we go? 30 yr fixed at 3.75% with no fees...
- Thread starter ps99472
- Start date
NEW -> Contingent Buyer Assistance Program
Their online quotes are typically lower than what they will offer. If you fill out an application, a loan officer will contact you within 1-3 days and discuss options. I tend to prefer a true zero cost loan where I sacrifice a bit on rate to get a lender credit that covers all costs in Sections A, B, C, and E on the official loan estimate. That way I have no skin in the game and can refi again down the road if rates continue to fall.
Panic buttons pressed awhile ago. I guess tsunami, is what next?
Can you beat 2.75 @ 25 years <765K 830 FICO.
If you can, you can have my business. LMK.
Wow, I wonder what loan amount that'll be limited to...probably the conforming loan limit.
Cares helped me out with an investment condo refinance that closed last week. One thing to note is they are not Owning or Cash Call - so it'll take 30-45 days to close a loan. But, their rates are competitive and have responsive customer service. I would definitely recommend them.
Thanks glad you were happy with your experience.
How's your new Tesla? 8)
eyephone said:I checked lenderfi and saw 3%.
Maybe I am doing something wrong or do not have the connections.
Their online quotes are typically lower than what they will offer. If you fill out an application, a loan officer will contact you within 1-3 days and discuss options. I tend to prefer a true zero cost loan where I sacrifice a bit on rate to get a lender credit that covers all costs in Sections A, B, C, and E on the official loan estimate. That way I have no skin in the game and can refi again down the road if rates continue to fall.
eddieuclabruin
Member
I canceled the refi I was working on with a family friend and ended up going with owning.com
Currently in the process of closing at 2.99% with $0 fees. Townhome w/ conventional, high LTV 30 year loan .
Currently in the process of closing at 2.99% with $0 fees. Townhome w/ conventional, high LTV 30 year loan .
irvinebullhousing
Well-known member
eyephone said:
Panic buttons pressed awhile ago. I guess tsunami, is what next?
Irvinehomeseeker
Active member
Seems that way to me as well. Their site indicates 2.625 with credit that covers all closing but that's NOT what you get in LE.ChiKid24 said:eyephone said:I checked lenderfi and saw 3%.
Maybe I am doing something wrong or do not have the connections.
Their online quotes are typically lower than what they will offer. If you fill out an application, a loan officer will contact you within 1-3 days and discuss options. I tend to prefer a true zero cost loan where I sacrifice a bit on rate to get a lender credit that covers all costs in Sections A, B, C, and E on the official loan estimate. That way I have no skin in the game and can refi again down the road if rates continue to fall.
irvinebullhousing
Well-known member
Cares said:eddieuclabruin said:
You should be able to get better than 2.99% without fees. That's what Owning was advertising over a month ago. Rates have improved since then.
If you're unsatisfied with Owning let me know and I can help you out
Can you beat 2.75 @ 25 years <765K 830 FICO.
If you can, you can have my business. LMK.
iacrenter
Well-known member
Is this real? If so, which brokers in SoCal offer this rate?
UWM now offering 15-year fixed mortgage rates as low as 1.875%
https://www.housingwire.com/articles/uwm-now-offering-15-year-fixed-mortgage-rate-as-low-as-1-875/
UWM now offering 15-year fixed mortgage rates as low as 1.875%
https://www.housingwire.com/articles/uwm-now-offering-15-year-fixed-mortgage-rate-as-low-as-1-875/
usctrojancpa
Well-known member
iacrenter said:
Wow, I wonder what loan amount that'll be limited to...probably the conforming loan limit.
Haven't been paying attention to rates since I closed on 3.25% about 2 months ago. Now I have to decide if I should refi again and lose my MCC (20% credit on interest). What would you do? The MCC loses a little value every year so it's tough to compare apples to apples. Right now my break even rate is about 2.375%. Have any of you decided on giving up the MCC for a lower rate? I already refinanced once and that's all I'm allowed to do. I refinance again and the MCC is gone for good.
woodburyowner
Well-known member
Wow, check out owning.com's rates today!! 30 year 2.50% conventional. 2.625 for high balance conforming.
potsticker
Active member
Cares said:eddieuclabruin said:
You should be able to get better than 2.99% without fees. That's what Owning was advertising over a month ago. Rates have improved since then.
If you're unsatisfied with Owning let me know and I can help you out
Cares helped me out with an investment condo refinance that closed last week. One thing to note is they are not Owning or Cash Call - so it'll take 30-45 days to close a loan. But, their rates are competitive and have responsive customer service. I would definitely recommend them.
best_potsticker_in_town said:Cares said:eddieuclabruin said:
You should be able to get better than 2.99% without fees. That's what Owning was advertising over a month ago. Rates have improved since then.
If you're unsatisfied with Owning let me know and I can help you out
Cares helped me out with an investment condo refinance that closed last week. One thing to note is they are not Owning or Cash Call - so it'll take 30-45 days to close a loan. But, their rates are competitive and have responsive customer service. I would definitely recommend them.
Thanks glad you were happy with your experience.
How's your new Tesla? 8)
iacrenter
Well-known member
Good time to refinance: 30 year @ 2.5% and 15 year under 2%.
https://www.housingwire.com/articles/uwm-now-offering-interest-rates-as-low-as-2-5/https://www.housingwire.com/articles/uwm-now-offering-15-year-fixed-mortgage-rate-as-low-as-1-875/
https://www.housingwire.com/articles/uwm-now-offering-interest-rates-as-low-as-2-5/https://www.housingwire.com/articles/uwm-now-offering-15-year-fixed-mortgage-rate-as-low-as-1-875/