What are you folks seeing in terms of 30 year conforming rates?

This topic has 15 replies, 8 voices, and was last updated 11 years, 4 months ago by Daniel.

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November 14, 2012 at 12:57 PM #20285

Coronita
Participant

Anyone seeing no cost 3.25% or below?

November 14, 2012 at 5:17 PM #754703

NotCranky
Participant

Last Friday I received an email from Absolute mortgage for 2.99% something like 3.11 APR. It was a Friday only offer. I did not do any follow-up.

November 14, 2012 at 5:46 PM #754706

Coronita
Participant

[quote=Blogstar]Last Friday I received an email from Absolute mortgage for 2.99% something like 3.11 APR. It was a Friday only offer. I did not do any follow-up.[/quote]

I got the same one.. I think they kinda have a fluff thing going on there.

November 14, 2012 at 6:19 PM #754707

scaredyclassic
Participant

3.375 with a few thousand dollar rebate. im trying to finish a ref at that rate now.

November 14, 2012 at 6:28 PM #754708

Coronita
Participant

[quote=squat250]3.375 with a few thousand dollar rebate. im trying to finish a ref at that rate now.[/quote]

Really? Wow…

November 14, 2012 at 7:32 PM #754711

scaredyclassic
Participant

30%plus equity

November 14, 2012 at 9:50 PM #754720

Coronita
Participant

[quote=squat250]30%plus equity[/quote]
Same company you used before?

November 15, 2012 at 7:25 AM #754726

teaboy
Participant

Beware absolutemortgageco.com
I locked my rate with them, paid for appraisal, then they ignored my calls and emails while my lock expired then relocked (without asking or telling me that my lender credit was $3k less even tho market rates were slightly lower than before).

Bunch of bait and switch shysters.
Beware!

tb

November 15, 2012 at 9:41 AM #754732

Ren
Participant

Similar scenarios are repeated over and over again in their reviews. Stay far away.

November 15, 2012 at 9:53 AM #754733

an
Participant

I use them to price match.

November 15, 2012 at 10:31 AM #754736

teaboy
Participant

[quote=AN]I use them to price match.[/quote]

AN, who are you able convince to price match them?
Gimme a name/telno!

thanks,
tb

November 15, 2012 at 10:46 AM #754737

an
Participant

Michael Chen
TFM Financial Services, Inc
Cell: (619) 630-8099
Fax: (858) 437-9889
[email protected]
8799 Balboa Ave, Suite 155
San Diego, CA 92123

Michael’s price is actually better than absolute’s, so I didn’t need to price match this time.

Sheldon in the past was able to price match absolute.

November 15, 2012 at 10:48 AM #754738

sdduuuude
Participant

Bankrate.com is often helpful.

http://www.bankrate.com/funnel/graph/default.aspx?cat=2&ids=1,-1&state=CA&d=365&t=MSLine&eco=-1

Try provident funding for good rates on prime loans.

November 16, 2012 at 7:11 AM #754787

scaredyclassic
Participant

[quote=flu][quote=squat250]30%plus equity[/quote]
Same company you used before?[/quote]

yup. for some reason i trust them. i think they are trying.

December 6, 2012 at 9:13 AM #755831

Daniel
Participant

For no-frills loans (conforming, W2 income, less than 80% LTV, good credit, etc), I suggest http://www.provident.com. They may or may not have the best rates (I’ve found a little better elsewhere sometimes), but you can see their actual rates online in 5 seconds, updated throughout the day. They display multiple rate-point scenarios to choose from (the “rate sheet”). Really helpful. For example, right now (12/6, 9am) they show 3.25% with a half point rebate for a plain vanilla $417K loan. I refinanced twice with them, had no problems.
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