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HLS
ParticipantA “no cost” 30 YR loan is 6% today.
The PAR rate was 5.375% this morning.Glad that it worked out for you.
ParticipantVIZ,
Your theories are elementary at best.
YOU aren’t going to pick the bottom of the rates.Your assumption is that rates will respond to previous days close of the 10 YR is only half correct.
The best lenders react to rate changes INTRA day.
People like you, and there are millions, are nothing more than prey to the predators in the industry.30 YR fixed conforming rates were down to 4.75% yesterday, for about an hour. There were 4 intra-day rate changes yesterday.
The 30 YR closed at 5.375%Most people get screwed on their loans, either in rate or fee or both. It’s just a fact. The majority of people who think they got a great deal, really didn’t.
Yesterday around 10am were the cheapest REAL rates in about 5 years, for the time being, you missed them.
ParticipantVIZ,
Your theories are elementary at best.
YOU aren’t going to pick the bottom of the rates.Your assumption is that rates will respond to previous days close of the 10 YR is only half correct.
The best lenders react to rate changes INTRA day.
People like you, and there are millions, are nothing more than prey to the predators in the industry.30 YR fixed conforming rates were down to 4.75% yesterday, for about an hour. There were 4 intra-day rate changes yesterday.
The 30 YR closed at 5.375%Most people get screwed on their loans, either in rate or fee or both. It’s just a fact. The majority of people who think they got a great deal, really didn’t.
Yesterday around 10am were the cheapest REAL rates in about 5 years, for the time being, you missed them.
ParticipantVIZ,
Your theories are elementary at best.
YOU aren’t going to pick the bottom of the rates.Your assumption is that rates will respond to previous days close of the 10 YR is only half correct.
The best lenders react to rate changes INTRA day.
People like you, and there are millions, are nothing more than prey to the predators in the industry.30 YR fixed conforming rates were down to 4.75% yesterday, for about an hour. There were 4 intra-day rate changes yesterday.
The 30 YR closed at 5.375%Most people get screwed on their loans, either in rate or fee or both. It’s just a fact. The majority of people who think they got a great deal, really didn’t.
Yesterday around 10am were the cheapest REAL rates in about 5 years, for the time being, you missed them.
ParticipantVIZ,
Your theories are elementary at best.
YOU aren’t going to pick the bottom of the rates.Your assumption is that rates will respond to previous days close of the 10 YR is only half correct.
The best lenders react to rate changes INTRA day.
People like you, and there are millions, are nothing more than prey to the predators in the industry.30 YR fixed conforming rates were down to 4.75% yesterday, for about an hour. There were 4 intra-day rate changes yesterday.
The 30 YR closed at 5.375%Most people get screwed on their loans, either in rate or fee or both. It’s just a fact. The majority of people who think they got a great deal, really didn’t.
Yesterday around 10am were the cheapest REAL rates in about 5 years, for the time being, you missed them.
ParticipantVIZ,
Your theories are elementary at best.
YOU aren’t going to pick the bottom of the rates.Your assumption is that rates will respond to previous days close of the 10 YR is only half correct.
The best lenders react to rate changes INTRA day.
People like you, and there are millions, are nothing more than prey to the predators in the industry.30 YR fixed conforming rates were down to 4.75% yesterday, for about an hour. There were 4 intra-day rate changes yesterday.
The 30 YR closed at 5.375%Most people get screwed on their loans, either in rate or fee or both. It’s just a fact. The majority of people who think they got a great deal, really didn’t.
Yesterday around 10am were the cheapest REAL rates in about 5 years, for the time being, you missed them.
ParticipantI can do “no cost” loans but it’s not necessarily the best loan…
Nobody can offer a true “no cost” refi at .25% higher than with a cost..and it’s IMPOSSIBLE on a $50K loan.
The spread is more like .625, and a higher loan amount.As of Friday’s rates, the best rates that I had for loan amounts of $417K or less, 80% max LTV, 30 year fixed PITI were 5.25% with a cost. Qualifying full doc.
For a “no cost” loan the rate was 5.875%, but the loan amount needs to be at least $250K. The lower the loan amount goes, the higher the rate will be to make the loan
“no cost” $200K loan would be 6%, etc.Lowest rates in about 5 years, if you qualify.
ParticipantI can do “no cost” loans but it’s not necessarily the best loan…
Nobody can offer a true “no cost” refi at .25% higher than with a cost..and it’s IMPOSSIBLE on a $50K loan.
The spread is more like .625, and a higher loan amount.As of Friday’s rates, the best rates that I had for loan amounts of $417K or less, 80% max LTV, 30 year fixed PITI were 5.25% with a cost. Qualifying full doc.
For a “no cost” loan the rate was 5.875%, but the loan amount needs to be at least $250K. The lower the loan amount goes, the higher the rate will be to make the loan
“no cost” $200K loan would be 6%, etc.Lowest rates in about 5 years, if you qualify.
ParticipantI can do “no cost” loans but it’s not necessarily the best loan…
Nobody can offer a true “no cost” refi at .25% higher than with a cost..and it’s IMPOSSIBLE on a $50K loan.
The spread is more like .625, and a higher loan amount.As of Friday’s rates, the best rates that I had for loan amounts of $417K or less, 80% max LTV, 30 year fixed PITI were 5.25% with a cost. Qualifying full doc.
For a “no cost” loan the rate was 5.875%, but the loan amount needs to be at least $250K. The lower the loan amount goes, the higher the rate will be to make the loan
“no cost” $200K loan would be 6%, etc.Lowest rates in about 5 years, if you qualify.
ParticipantI can do “no cost” loans but it’s not necessarily the best loan…
Nobody can offer a true “no cost” refi at .25% higher than with a cost..and it’s IMPOSSIBLE on a $50K loan.
The spread is more like .625, and a higher loan amount.As of Friday’s rates, the best rates that I had for loan amounts of $417K or less, 80% max LTV, 30 year fixed PITI were 5.25% with a cost. Qualifying full doc.
For a “no cost” loan the rate was 5.875%, but the loan amount needs to be at least $250K. The lower the loan amount goes, the higher the rate will be to make the loan
“no cost” $200K loan would be 6%, etc.Lowest rates in about 5 years, if you qualify.
ParticipantI can do “no cost” loans but it’s not necessarily the best loan…
Nobody can offer a true “no cost” refi at .25% higher than with a cost..and it’s IMPOSSIBLE on a $50K loan.
The spread is more like .625, and a higher loan amount.As of Friday’s rates, the best rates that I had for loan amounts of $417K or less, 80% max LTV, 30 year fixed PITI were 5.25% with a cost. Qualifying full doc.
For a “no cost” loan the rate was 5.875%, but the loan amount needs to be at least $250K. The lower the loan amount goes, the higher the rate will be to make the loan
“no cost” $200K loan would be 6%, etc.Lowest rates in about 5 years, if you qualify.
ParticipantWith a buydown, I can offer 30 YR fixed @ 5% PITI.
Loan amount max is $417K
IF you qualify,
Here are the buydown options at the moment.
RATE % cost
5.625 .25
5.50 .75
5.375 1.50
5.25 2.25
5.125 3.25
5.00 4.00
Subject to change at anytime. There are closing costs to get these rates.ParticipantWith a buydown, I can offer 30 YR fixed @ 5% PITI.
Loan amount max is $417K
IF you qualify,
Here are the buydown options at the moment.
RATE % cost
5.625 .25
5.50 .75
5.375 1.50
5.25 2.25
5.125 3.25
5.00 4.00
Subject to change at anytime. There are closing costs to get these rates.ParticipantWith a buydown, I can offer 30 YR fixed @ 5% PITI.
Loan amount max is $417K
IF you qualify,
Here are the buydown options at the moment.
RATE % cost
5.625 .25
5.50 .75
5.375 1.50
5.25 2.25
5.125 3.25
5.00 4.00
Subject to change at anytime. There are closing costs to get these rates. -
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