[quote=utcsox][quote=AN]Sebonic has been offering 3.375% with ~$1500 credit for awhile now. So, rates hasn’t changed much today. Let see if I can get 3.375% with ~$4-5k in credit and I’ll pull the trigger.[/quote]
You shall pull the trigger then. The conforming loan is 3.375% with ~$4K in credit. Is this better than 3.25% with $1 fee?[/quote]
Really? Can you share which lender is offering 3.375% with ~$4k in credit? The best I found on Zillow is 3.375% with $2600 in credit.
As for which is better, it’s up to you. As for me, I prefer to only refi when it covers all cost + property tax + insurance + lowering my interest rate. I did this a couple of months ago at 3.5% and would gladly do it again soon if it hit my threshold of ~$4k in credit.
