Sebonic via Zillow, which is what I used for my last purchase, has a refi rate of 2.99 0 fees right now and 2.818 with 1 point. This is for 480k on 1+ mil property.
I’m inclined to 0 points or less likely go negative points.
Our fees were about 5K. The main reason being we had a high balance loan.
IMO the conquest program by UWM was the best. We looked at sebonics and first mortgage and we almost went with FM. Then I found the article that UWM came up with their conquest program. FM couldn’t beat their rates. They are offering rates between 2.5 – 3.0.
Initially I was concerned with the short close required but they managed to close in 3 weeks. I’m glad I took the leap.
