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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: Razzle Dysfunction https://owning.com/ (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893449) |
Date: September 9th, 2020 2:49 PM Author: Rough-skinned appetizing scourge upon the earth 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: Razzle Dysfunction that means it's included in the quoted rate for the APR (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893492) |
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Date: September 9th, 2020 2:54 PM Author: Bossy massive state LMAO you have a lot to learn (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893508) |
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Date: September 9th, 2020 2:58 PM Author: Razzle Dysfunction 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: Bossy massive state Yes it says borrower pays the discount points. Can you read (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893808) |
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Date: September 9th, 2020 3:36 PM Author: Razzle Dysfunction do you know the difference between the quoted rate and the APR? (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893810) |
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Date: September 9th, 2020 3:38 PM Author: Bossy massive state 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=2Reputation#40893823) |
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Date: September 9th, 2020 4:51 PM Author: bistre public bath skinny woman I guarantee you 2% fixed is not a zero cost refinance. (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40894340) |
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Date: September 9th, 2020 5:45 PM Author: Marvelous rebellious theatre lmfao (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40894625) |
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Date: September 9th, 2020 7:04 PM Author: Canary Space Genital Piercing 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: Razzmatazz maroon church 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=2Reputation#40893667) |
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Date: September 9th, 2020 3:22 PM Author: Domesticated Vivacious Wrinkle 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: flatulent home hunting ground Fuck I went 3.75 in December. (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893717) |
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Date: September 9th, 2020 3:27 PM Author: multi-colored shivering multi-billionaire shrine ljl wtf? (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893746) |
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Date: September 9th, 2020 3:37 PM Author: flatulent home hunting ground 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=2Reputation#40893816) |
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Date: September 9th, 2020 5:47 PM Author: Marvelous rebellious theatre 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=2Reputation#40894632) |
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Date: September 9th, 2020 7:07 PM Author: flatulent home hunting ground 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=2Reputation#40895050) |
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Date: September 9th, 2020 3:34 PM Author: Razzle Dysfunction (guy who has a tiny mortgage) (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893796) |
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Date: September 9th, 2020 3:49 PM Author: Razzmatazz maroon church It would be a VA IRRRL, closing costs aren’t that much. (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893871) |
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Date: September 9th, 2020 3:22 PM Author: adventurous gaped idea he suggested Damn it. Just refinanced from 3.7 to 2.87 (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893713) |
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Date: September 9th, 2020 3:27 PM Author: multi-colored shivering multi-billionaire shrine lol you got fucked (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893742) |
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Date: September 9th, 2020 3:26 PM Author: multi-colored shivering multi-billionaire shrine 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=2Reputation#40893738) |
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Date: September 9th, 2020 3:33 PM Author: Razzle Dysfunction you must have 1mil+ in assets with a major bank, congrats (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893792) |
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Date: September 9th, 2020 3:34 PM Author: multi-colored shivering multi-billionaire shrine 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=2Reputation#40893805) |
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Date: September 9th, 2020 3:36 PM Author: Razzle Dysfunction what lender did you use if you dont mind me asking then? (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893815) |
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Date: September 9th, 2020 3:51 PM Author: multi-colored shivering multi-billionaire shrine (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40893881) |
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Date: September 9th, 2020 3:52 PM Author: Razzle Dysfunction 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=2Reputation#40893888) |
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Date: September 9th, 2020 3:56 PM Author: Razzle Dysfunction 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=2Reputation#40893912) |
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Date: September 9th, 2020 4:51 PM Author: multi-colored shivering multi-billionaire shrine It was a VA loan (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#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=2Reputation#49971978) |
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Date: September 9th, 2020 3:28 PM Author: Bossy massive state 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=2Reputation#40893752) |
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Date: September 9th, 2020 3:37 PM Author: Peach diverse rigor internal respiration 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=2Reputation#40893818) |
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Date: September 9th, 2020 3:59 PM Author: exhilarant pisswyrm chad 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=2Reputation#40893927) |
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Date: September 9th, 2020 4:06 PM Author: adventurous gaped idea he suggested (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=2Reputation#40893985) |
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Date: September 9th, 2020 4:10 PM Author: exhilarant pisswyrm chad 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=2Reputation#40894014) |
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Date: September 9th, 2020 4:13 PM Author: adventurous gaped idea he suggested 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=2Reputation#40894039) |
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Date: September 9th, 2020 4:14 PM Author: exhilarant pisswyrm chad 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=2Reputation#40894049) |
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Date: September 9th, 2020 4:18 PM Author: adventurous gaped idea he suggested 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: Pungent floppy alpha 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: Heady old irish cottage 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=2Reputation#40894177) |
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Date: September 9th, 2020 4:33 PM Author: adventurous gaped idea he suggested 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=2Reputation#40894193) |
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Date: September 9th, 2020 4:44 PM Author: Heady old irish cottage Ok. How do I find a broker (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40894293) |
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Date: September 9th, 2020 4:46 PM Author: adventurous gaped idea he suggested look up CIBM Mortgage. They just did mine. (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40894304) |
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Date: September 9th, 2020 4:48 PM Author: Heady old irish cottage Thanks pal (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#40894321) |
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Date: September 9th, 2020 5:50 PM Author: Marvelous rebellious theatre 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=2Reputation#40894645) |
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Date: September 9th, 2020 5:05 PM Author: bistre public bath skinny woman 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=2Reputation#40894420) |
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Date: September 10th, 2020 7:54 AM Author: exhilarant pisswyrm chad 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=2Reputation#40897405) |
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Date: November 5th, 2020 1:13 PM Author: Sienna dashing main people You can now get 30 yr at 2.375 for 0 points, LMFAO (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#41286963) |
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Date: November 5th, 2020 1:18 PM Author: khaki fanboi messiness Dammit. I can’t get a jumbo loan. 675 middle credit score =( (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#41287041) |
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Date: November 5th, 2020 1:34 PM Author: khaki fanboi messiness Help me (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#41287251) |
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Date: November 5th, 2020 1:34 PM Author: Sienna dashing main people 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=2Reputation#41287259) |
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Date: November 5th, 2020 1:17 PM Author: Heady old irish cottage who has lowest rates and costs? looking at 15 yr
better.com |
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Date: November 5th, 2020 1:23 PM Author: Sienna dashing main people check on zillow, i may be copping 2.375 from there lmfao (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#41287106) |
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Date: November 5th, 2020 1:19 PM Author: Lascivious silver business firm I need an I/O jumbo TYVMIA |
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Date: November 5th, 2020 1:28 PM Author: bistre public bath skinny woman (House poor) (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#41287179) |
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Date: November 5th, 2020 1:27 PM Author: Excitant low-t digit ratio brunch 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=2Reputation#41287162) |
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Date: November 5th, 2020 1:29 PM Author: Sienna dashing main people 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=2Reputation#41287190) |
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Date: November 5th, 2020 1:30 PM Author: Bossy massive state What's your balance bro? (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#41287200) |
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Date: November 5th, 2020 1:30 PM Author: Sienna dashing main people non jumbo (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#41287201) |
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Date: November 5th, 2020 1:32 PM Author: Bossy massive state 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=2Reputation#41287230) |
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Date: November 5th, 2020 1:33 PM Author: Sienna dashing main people 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=2Reputation#41287240) |
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Date: November 5th, 2020 2:05 PM Author: Domesticated Vivacious Wrinkle What are the closing costs for that? Do you pay for any points? (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#41287541) |
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Date: November 5th, 2020 6:48 PM Author: Sienna dashing main people No points, total to close will be around 1000 (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#41290670) |
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Date: November 5th, 2020 2:03 PM Author: bistre public bath skinny woman Bankrate.com (http://www.autoadmit.com/thread.php?thread_id=4621234&forum_id=2Reputation#41287533) |