I am in Canada (Whistler) and wow they left the EU…interest rates look amazing! Looked online saw rates below 3.25
I am currently at 3.5 30 year fixed if I can get rate lowered at no cost to me I am in! HLS if you are around or anybody has a broker recommend with low rate please pm me!
Do you folks things will stabilize in the next week? I am out til next Thursday.
We are headed out to ride but would appreciate any info!
I am considering the same thing. So far, online, they haven’t showed any movement yet. Maybe they will post it tomorrow. I just refi-ed no cost at 3.5% just a couple of months ago, but if I can do it again now at 3.325% or less, that would be awesome.
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=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=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.
FWIW we just called Sebonic this morning to refi our condo and they are basically honoring what they advertised (many do not). We got an instant quote for 3.25 with $1,300 in fees, ended up getting that exactly except $1,500 in fees.
You must mention that you found the info on Zillow though or else they will give you a worse rate.
[quote=utcsox][quote=AN]Sebonic Financial is showing 3.375% with $2600 in credit on Zillow website for me. This is for conforming 30 years fixed.[/quote]
Well, the balance I use is $417,000. If your balance is lower than that, then sure you will have a lower amount of credit.[/quote]
I used $400k, cuz it’s quicker to type.
[quote=AN][quote=flu]I envy you guys. I wish I had a home worth taking a 30year out on right now…[/quote]Cash out refi?[/quote]
You’re killing me and mocking me at the same time, lol…..
I’m an old man now… And old fart… I’m expecting my AARP card in the mail anyday now, and I think I should go shop for an oldsmobile. The thought of having another 30 years to go….Dude….I’m going to be eating out of a straw…
No sir, only going to happen with another home purchase….I can’t find anything good though. Rental or Primary…
