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Echoooo.
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July 8, 2012 at 4:13 PM #19945July 9, 2012 at 8:34 AM #747520
waiting hawk
ParticipantI did a while back at 3.8. I am watching to see if it hits 3.25 on a 30 year or it wont be worth it. If it doesnt I didnt lose much at all. I think 3.5 is the lowest I can get right now on a no cost refi 65%ltv loan.
July 9, 2012 at 9:08 AM #747521The-Shoveler
ParticipantRates are very low historically.
But I don’t think rates will go up much until unemployment is where they (the fed) wants it (below 6% nationally).
I don’t’ see that happening until there are very few underwater home owners left.
Chicken/egg thing again.July 9, 2012 at 8:23 PM #747556JC
ParticipantJust a recommendation….IF you are thinking about doing a Refi, call Charlie Mason. He is super nice, down to earth and works very hard. He got me a 3.625 and I am not really Piggington material if you know what I mean. 🙂
Charles D. Mason
First California Funding
4550 Kearny Villa Rd. Suite 215
San Diego, CA. 92123
Telephone – 858 654 4066
Facsimile – 858 654 4062
Ca. Dept of Real Estate Lic # 01275449NMLS # 330764July 9, 2012 at 8:38 PM #747557ocrenter
Participant[quote=JC]Just a recommendation….IF you are thinking about doing a Refi, call Charlie Mason. He is super nice, down to earth and works very hard. He got me a 3.625 and I am not really Piggington material if you know what I mean. 🙂
Charles D. Mason
First California Funding
4550 Kearny Villa Rd. Suite 215
San Diego, CA. 92123
Telephone – 858 654 4066
Facsimile – 858 654 4062
Ca. Dept of Real Estate Lic # 01275449NMLS # 330764[/quote]3.625 doesn’t mean anything without other info. 30 year? 15 year? Conforming? Jr conforming? Jumbo? Point? No point? Closing cost? No closing cost?
July 9, 2012 at 9:41 PM #747559profhoff
ParticipantOther recommendations for good brokers/online sites?
July 9, 2012 at 10:40 PM #747568LAAFTERHOURS
Participant[quote=profhoff]Other recommendations for good brokers/online sites?[/quote]
Home Loan Sheldon
http://www.homeloansheldon.com/Nothing book excellence all around from him.
July 10, 2012 at 10:19 AM #747600sdsubie
ParticipantI 2nd Sheldon. We used him for our purchase loan and were very satisfied with the experience.
July 10, 2012 at 10:23 AM #747602briansd1
GuestI think that rates will go lower after the Olympics, after all the excitement, when Europeans concentrate again on their currency problems.
July 12, 2012 at 9:13 PM #747888Participantsorry. if i was a true PIGG, wouldn’t I have already paid of my entire mortgage? i am just a wannabe so the 3.625 was a 30year fixed no cost. Charlie is da bomb. Sheldon is great too.
i am just giddy to be under 4.
July 13, 2012 at 4:00 PM #747962sdrealtor
ParticipantHow much did your monthly payment go down?
July 13, 2012 at 4:47 PM #747963Hobie
ParticipantSlight t-jack. I’ve been toying getting a HELOC to lock in the rate at about 3.9% For liquid cash to make cash offer at a later time. Now or wait?
July 13, 2012 at 6:50 PM #747967
CoronitaParticipant[quote=Hobie]Slight t-jack. I’ve been toying getting a HELOC to lock in the rate at about 3.9% For liquid cash to make cash offer at a later time. Now or wait?[/quote]
3.9% heloc?
I got my at prime – 0.25% or 3%.
July 13, 2012 at 10:28 PM #747976ParticipantNice! I’m on the phone tomorrow. … actually, very nice!
July 14, 2012 at 9:10 AM #747994Participanthi sdrealtor,
charlie saved me a total of $289 on the monthly payment. (i may have refinanced more than once since i did not suspect that rates would get that low. i think i mentioned — not a true Pigg — just a wannabe). the amount he saved me in interest was pretty sizeable. i bought an old house needing a fair amount of fix-ups so this is huge to me.
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