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Box Home Loans Discounts, Deals and Coupon Codes

Mortgages: Refinance or Purchase at 3.125% with $0 closing costs or even a credit towards closing with Box Home Loans

bryantq 1,301 June 7, 2012 at 08:15 PM in Home & Home Improvement (7) More Box Home Loans Deals
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Box Home Loans [boxhomeloans.com/slickdeals/] is offering an extra credit of 1/8th of a point on top of their already low rates and fees to Slickdeals users.

This allows some well qualified individuals to refinance or purchase a home at 3.125%* for no cost or even get a credit (they pay you!) towards closing.

Here at Slickdeals, we've actually had several employees use Box Home Loans, and after realizing it was such a good deal, we reached out to them to see if they could offer something even sweeter to our users. We've done a lot of comparison shopping for our own personal homes and Box Home Loans have always been the lowest (so far!) in fees, closing costs and rates! From our personal experience, its fast and no-nonsense.

Box Home Loans services the following states:
  • Arizona
  • California,
  • Colorado,
  • Idaho,
  • Nevada,
  • New Mexico,
  • Oregon,
  • Texas,
  • Utah
  • Washington
To give you guys an idea of the rate comparisons we did some research today*:
RATES ARE ALWAYS CHANGING SO BE SURE TO CHECK THE BOX HOME LOANS WEBSITE FOR CURRENT RATES - ITS EASY, NO EMAIL NECESSARY JUST PLUG IN THE NUMBERS.


Purchase:
LenderRateAPRClosing Costs
Box Home Loans (Slickdeals) [boxhomeloans.com]3.75%3.75%Free + $250 Credit
Box Home Loans (Direct)3.75%3.75%Free
First Internet Bank3.75%3.83%$1621
Amerisave3.75%3.83%$1991
Penfed3.75%3.81%$3562
Chase3.75%3.96%$4314
Box Home Loans (Slickdeals) [boxhomeloans.com]3.625%3.685%$1845
Box Home Loans (Direct)3.625%3.685%$2095
First Internet Bank3.625%3.704%$2649
Amerisave3.625%3.705%$2782
Penfed3.625%3.81%$5812


Refinance:
LenderRateAPRClosing Costs
Box Home Loans (Slickdeals) [boxhomeloans.com]3.75%3.75%Free + $80 Credit
Box Home Loans (Direct)3.75%3.75%Free
First Internet Bank3.75%3.83%$1757
Amerisave3.75%3.83%$565
Penfed3.75%3.8%$2188
Chase4.25%4.32%$3960
Box Home Loans (Slickdeals) [boxhomeloans.com]3.625%3.685%$1845
Box Home Loans (Direct)3.6253.685%$2095
First Internet Bank3.625%3.702%$2785
Amerisave3.625%3.705%$1773
Penfed3.625%3.768%$4438

Assumptions:
  • 30 Year Fixed Conventional Loan
  • $250,000 Home Value
  • $200,000 Loan Value
  • Clark County, Nevada
  • 740+ Credit Score
*Rates and data as of 06/07/2012 10:22am. We can't guarantee the availability of these rates, just showing you as a representative sample when we did the research!

514 Comments

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Joined Mar 2005
Renaissance Man
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#16
Excellent a new affiliate is onbaord
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Joined Jan 2004
L5: Journeyman
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#17
Quote from primetime2113 View Post :
LOL exactly and again feel free to delete to my comment not trying to disregard the promotion posted for slickdeals.

It was $236,000, 30 year fixed, 1-2 points sorry I didnt finish the loan before I left today but obviously for the APR to go up it had at least 1 point.
2.75 30 fixed for a $236,000 loan is awesome. Wow, even at 2 points its a great rate.
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Joined Nov 2010
Livin the dream
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#18
Quote from romodome View Post :
2.75 30 fixed for a $236,000 loan is awesome. Wow, even at 2 points its a great rate.
Yeah I wanna say it was with Nationwide. It may have been US Bank also. I can double check though
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Joined Jan 2004
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#19
Quote from primetime2113 View Post :
Yeah I wanna say it was with Nationwide. It may have been US Bank also. I can double check though
mine was a 30year fixed refi, 22600 loan, appraisal came in at 355K, 3.75% apr with close to $3500.00 in closing costs which nets you about $1000.00 towards escrow after everything is paid.
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Joined Nov 2010
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#20
Quote from romodome View Post :
mine was a 30year fixed refi, 22600 loan, appraisal came in at 355K, 3.75% apr with close to $3500.00 in closing costs which nets you about $1000.00 towards escrow after everything is paid.
When did you refi last?
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Joined Mar 2008
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#21
I went with Provident as well. About $1500 difference from Box Home Loans. The total cost for my Provident Loan was $2700 which includes the Admin fee.
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Joined Aug 2004
Slickdeals Admin
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Original Poster
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#22
Quote from primetime2113 View Post :
LOL exactly and again feel free to delete to my comment not trying to disregard the promotion posted for slickdeals.

It was $236,000, 30 year fixed, 1-2 points sorry I didnt finish the loan before I left today but obviously for the APR to go up it had at least 1 point.
Is this a rate that mere mortals can get? Its astoundingly good compared to what we can find right now

I guess we'd need to know the total out of pocket cost of that loan to get a good comparison.
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Joined Jan 2004
L5: Journeyman
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#23
Quote from primetime2113 View Post :
When did you refi last?
closing next week.

I did the math, 2 points would be a little over $5000.00 so it would cost me about $8500 to save about 94 a month with the example you gave, if it were two points, borderline worth it. I would have to be in the same house 8 years to show the savings. I guess I will have to wait the 6 months and see if I want a no cost refi again if rates go down more.
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Joined Jan 2006
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#24
Refied a couple days ago at 3.625 with $4000 credit towards closing on a $300k loan with firstib. Amerisave was offering the same deal as well. Rates have gone up a little the last few days.
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Joined Jun 2009
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#25
Quote from bryantq View Post :
Thanks we'll have to check them out too and see if they'll give slickdeals' owners and users a special deal Big Grin

*Edit: doh, of course they don't service Nevada. grr.
fixed it for you. Btw anything for purchase? This mortgages business is greek to me.
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Joined Aug 2004
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#26
Quote from Toad_Killa View Post :
fixed it for you. Btw anything for purchase? This mortgages business is greek to me.
Frankly, we were more interested in getting low rates to refinance our own homes Smilie Boxhomeloans was the best we could find for Nevada. Outside of Nevada it seems Providence is good too.

The rates and discount apply for both refinance and purchase. Now that we've learned about Providence we're gonna ask em for a deal for us and you!
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Joined Oct 2003
L8: Grand Teacher
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#27
not offered in KS kills it for me
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Joined Jul 2004
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#28
I also found Box and Provident to be excellent options for a refi with Provident being the clear overall winner since it had an extra 0.25 point discount from my employer.

The issue with both options is my value dropped enough that I'd need pay down a lot to get back to 80% LTV. Rather than waste the $150-$160/month in PMI, I went with a local credit union (Advantis) that offers a 2.99% 3/2 ARM with the first adjustment maxed at 1%. They don't charge any PMI even at 95% LTV, so they beat out even Provident for my scenario.
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Joined Sep 2004
L6: Expert
141 Reputation
#29
I'd love to refi, and possibly take some equity out of my condo. I've never done anything like this as I've never purchased a home. My home was transferred to me by my father, but his name is still on the loan which is currently owned by chase at 5.5%APR. Any recommendations slickdealers?
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Joined Nov 2007
One Day You Will Be Mine!
698 Reputation
#30
Quote from bryantq View Post :
Frankly, we were more interested in getting low rates to refinance our own homes Smilie Boxhomeloans was the best we could find for Nevada. Outside of Nevada it seems Providence is good too.

The rates and discount apply for both refinance and purchase. Now that we've learned about Providence we're gonna ask em for a deal for us and you!
Are you actually SDs CEO?
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