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Geez! That’s amazing, thanks for sharing. I just started refi process with another shop at 2.875% zero cost but may have to jump over to them or see if my lender will match.

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[quote=Coronita]owning.com 15 year is what I had before at 2.5…. The 30 year though…wow…. 2.75[/quote]

30 yr is definitely cheapest I’ve found, unfortunately can’t do it since we already refied with them. Was able to find another lender at 2.875 fixed no cost and they have 15 fixed @ 2.375 no cost!

Yes they do not refi self employed and require 300K min, but under that would have had to have originated with much higher rate not likely in last 7 years, to make it worth their while.

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[quote=gzz]OCT: how smooth was owning.com’s process?

Does “no closing cost” mean no cost at all, or did you have to pay for an appraisal, title etc.[/quote]

I thought their process went pretty smoothly. Truly no cost, only had to set aside money for escrow account (1 year insurance 6 months taxes) and wait for older lender to refund old escrow account. Only minor issues were it was just around property tax time and old lender had not yet paid taxes so we paid those, then few days before closing they decided to finally pay those so had to wait for refund from county. Also just before closing they requested another pay stub, assuming to confirm still employed as that was during time when 6 million people were getting laid off a week.

I’ve recommended several friends to them, bummed I can’t take advantage of their new lower rates.

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We refi’d a few months ago and saw that rates have dropped again! We used owning.com; they are currently quoting 2.75% 30 yr fixed no closing cost. We can’t use owning again for 12 months. Has anyone seen similar rate or lower for 30 yr fixed?

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