How low can we go? 30 yr fixed at 3.75% with no fees...

[Irvine Dream]

Locked at 2.5% with about 3000 credit.  Have some pocket change at closing.

Could you tell us where to get these super rates?  I am too lazy to use the Search function, even if I try by the time I find it the rate might be gone.  thanks.

 

[bones]

Locked at 2.5% with about 3000 credit.  Have some pocket change at closing.

Congrats. I ended up with about a week's worth of prepaid ren dinners after my last refi.

 

[homer_simpson]

locked at 2.5 as well.. .thanks for the referral guys  8)

 

[rkp]

is the delta between a 7/1 ARM and 30y fixed pretty consistent?  since i started tracking it, it seems like its about a 1% interest rate savings which is about $50 a month per 100K borrowed. 

 

[Irvine Dream]

locked at 2.5 as well.. .thanks for the referral guys  8)

Can you give me the info too? thanks.

 

[ps99472]

2.5%? and for how many years is that? 5/1 or 7/1? That's great. I locked last month 3.875 and I am hoping to float down to a lower rate.

5/1 Jumbo, 55% LTV, credit is around $3200, gonna use the leftover for my samsung 4k

 

[The Motor Court Company]

wow what a turnaround of events.

yesterday morning I was led to believe a good chance the loan is dead. then I found the 3rd party mistake, got the correction and submitted it to the lender in the afternoon.

Just 1 hour ago got words the loan is now approved and it is time to pick closing dates.

Gotta give Cardinal/Sebonic credits for moving this fast.

 

[Irvinecommuter]

Almost regretting that I refinanced...Europe is apparently melting down and everyone wants US T-bills.

10 year yield down to 1.71 with 30 year fixed rates at 3.60.

 

[qwerty]

Almost regretting that I refinanced...Europe is apparently melting down and everyone wants US T-bills.

10 year yield down to 1.71 with 30 year fixed rates at 3.60.

im getting the pricing tomorrow morning, the loan rep said the rate could be better than 2.5% with closing costs covered.

 

[The Motor Court Company]

I believe some lenders can start refi-ing right after you close. Just do it again?

Almost regretting that I refinanced...Europe is apparently melting down and everyone wants US T-bills.

10 year yield down to 1.71 with 30 year fixed rates at 3.60.

 

[The Motor Court Company]

and then there is a plot twist. Just realized they fat fingered my settlement statement (estimate, I hope).
They have an extra $100k (yes one hundred grand) in my existing loan balance so I need to prepare extra $100k in cash. I am not farmie nor qwerty so I cannot just ignore $100k.
Time to wake up early tomorrow to check with these East coast people. maybe I should just walk away...

wow what a turnaround of events.

yesterday morning I was led to believe a good chance the loan is dead. then I found the 3rd party mistake, got the correction and submitted it to the lender in the afternoon.

Just 1 hour ago got words the loan is now approved and it is time to pick closing dates.

Gotta give Cardinal/Sebonic credits for moving this fast.

 

[eyephone]

Almost regretting that I refinanced...Europe is apparently melting down and everyone wants US T-bills.

10 year yield down to 1.71 with 30 year fixed rates at 3.60.

Hip-hop-hurray!!! 

The Euro area is a mess!

#socialismneverworks

Aka benefits for free

 

[rkp]

and then there is a plot twist. Just realized they fat fingered my settlement statement (estimate, I hope).
They have an extra $100k (yes one hundred grand) in my existing loan balance so I need to prepare extra $100k in cash. I am not farmie nor qwerty so I cannot just ignore $100k.
Time to wake up early tomorrow to check with these East coast people. maybe I should just walk away...

wow what a turnaround of events.

yesterday morning I was led to believe a good chance the loan is dead. then I found the 3rd party mistake, got the correction and submitted it to the lender in the afternoon.

Just 1 hour ago got words the loan is now approved and it is time to pick closing dates.

Gotta give Cardinal/Sebonic credits for moving this fast.

they thought you need $100K less loan than you really need or giving you a loan $100K over what you need?

 

[ps99472]

and then there is a plot twist. Just realized they fat fingered my settlement statement (estimate, I hope).
They have an extra $100k (yes one hundred grand) in my existing loan balance so I need to prepare extra $100k in cash. I am not farmie nor qwerty so I cannot just ignore $100k.
Time to wake up early tomorrow to check with these East coast people. maybe I should just walk away...

wow what a turnaround of events.

yesterday morning I was led to believe a good chance the loan is dead. then I found the 3rd party mistake, got the correction and submitted it to the lender in the afternoon.

Just 1 hour ago got words the loan is now approved and it is time to pick closing dates.

Gotta give Cardinal/Sebonic credits for moving this fast.

this is based off the payoff demand from your current bank, check with them as well, you should get a copy of the demand from your broker. 

 

[The Motor Court Company]

We are paying back some principal, and we should pay about $80k at closing. Their calculation had $100k more on my existing loan balance,  so we were to pay $180k at closing....the loan amount with them has been correct.

and then there is a plot twist. Just realized they fat fingered my settlement statement (estimate, I hope).
They have an extra $100k (yes one hundred grand) in my existing loan balance so I need to prepare extra $100k in cash. I am not farmie nor qwerty so I cannot just ignore $100k.
Time to wake up early tomorrow to check with these East coast people. maybe I should just walk away...

wow what a turnaround of events.

yesterday morning I was led to believe a good chance the loan is dead. then I found the 3rd party mistake, got the correction and submitted it to the lender in the afternoon.

Just 1 hour ago got words the loan is now approved and it is time to pick closing dates.

Gotta give Cardinal/Sebonic credits for moving this fast.

they thought you need $100K less loan than you really need or giving you a loan $100K over what you need?

 

[The Motor Court Company]

Yes. I've seen the payoff demand from my current bank. There is no prepayment penalty and they charge $39 for recording and obligation fee. certainly not $100k.

and then there is a plot twist. Just realized they fat fingered my settlement statement (estimate, I hope).
They have an extra $100k (yes one hundred grand) in my existing loan balance so I need to prepare extra $100k in cash. I am not farmie nor qwerty so I cannot just ignore $100k.
Time to wake up early tomorrow to check with these East coast people. maybe I should just walk away...

wow what a turnaround of events.

yesterday morning I was led to believe a good chance the loan is dead. then I found the 3rd party mistake, got the correction and submitted it to the lender in the afternoon.

Just 1 hour ago got words the loan is now approved and it is time to pick closing dates.

Gotta give Cardinal/Sebonic credits for moving this fast.

this is based off the payoff demand from your current bank, check with them as well, you should get a copy of the demand from your broker.

 

[eyephone]

Maybe a fat finger typo? They typed an extra one in front of the 8.

On a totally different note, that's why I ask for a credit card receipt when I use my credit card. They can type an extra zero to the amount. #fatfinger

We are paying back some principal, and we should pay about $80k at closing. Their calculation had $100k more on my existing loan balance,  so we were to pay $180k at closing....the loan amount with them has been correct.

and then there is a plot twist. Just realized they fat fingered my settlement statement (estimate, I hope).
They have an extra $100k (yes one hundred grand) in my existing loan balance so I need to prepare extra $100k in cash. I am not farmie nor qwerty so I cannot just ignore $100k.
Time to wake up early tomorrow to check with these East coast people. maybe I should just walk away...

wow what a turnaround of events.

yesterday morning I was led to believe a good chance the loan is dead. then I found the 3rd party mistake, got the correction and submitted it to the lender in the afternoon.

Just 1 hour ago got words the loan is now approved and it is time to pick closing dates.

Gotta give Cardinal/Sebonic credits for moving this fast.

they thought you need $100K less loan than you really need or giving you a loan $100K over what you need?

 

[usctrojancpa]

My refi loan funded today. 

 

[Irvinecommuter]

Almost regretting that I refinanced...Europe is apparently melting down and everyone wants US T-bills.

10 year yield down to 1.71 with 30 year fixed rates at 3.60.

Hip-hop-hurray!!! 

The Euro area is a mess!

#socialismneverworks

Aka benefits for free

And yet Germany is chugging along nicely...as is England. 

 

[The Motor Court Company]

rates are climbing. The last couple of days were the lows.