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Mortgage Rates

6,363 552 March 6, 2020 at 05:13 AM
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Who has the lowest 30 year currently?
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Joined Feb 2007
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talonesi
05-25-2020 at 02:01 PM.
05-25-2020 at 02:01 PM.
Quote from ElephantNest :
I just refinanced two rentals last week with local mortgage company @ 3.75%. Would have gotten 2.75% if not investment properties.
what was the term length? Points?
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Joined Jul 2006
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MehdiAanis
05-26-2020 at 09:30 PM.
05-26-2020 at 09:30 PM.
Side Questions: Where can I get FICO SCORE of ALL 3 Credit Bureau for LOW $$$? I signed up with ScoreSence, 1 week free then $30. If there are cheaper ways, please let me know.

I am in the market for refinancing. My TransUnion is 720+, but Experian in 690. Just lowered CreditCard balance to 20% by taking loan from LendingClub. Now need to check if Experian scroe went up. As far as I know, lender takes the middle score out of three credit bureau. Thanks.
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Joined Nov 2005
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Dr. J
05-27-2020 at 07:13 AM.
05-27-2020 at 07:13 AM.
I thought you could request it once per year for free?
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Joined Jul 2008
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untfan
05-29-2020 at 12:55 AM.
05-29-2020 at 12:55 AM.
I recently closed my primary residence refi on a 2.75% Interest Rate / 2.799% APR 30-year fixed with 0.54% in discount points. Locked on 4/29 and signed the docs on 5/19. I was even able to get an appraisal waiver. Only downside was the loan required an escrow account.

When I locked I could've chosen a 2.625% rate but they wanted 3+% in discount points.

I used Reali (formerly Lenda) and had an overall good experience, they only service like 20% of the US so YMMV but if your on the West Coast you have a good chance of them servicing your state. I am located in California.

Better Mortgage (better.com) had similar but slightly worse rates/points but fees were comparable.
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Joined Mar 2012
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vladnj
05-29-2020 at 01:22 PM.
05-29-2020 at 01:22 PM.
Quote from MehdiAanis :
Side Questions: Where can I get FICO SCORE of ALL 3 Credit Bureau for LOW $$$? I signed up with ScoreSence, 1 week free then $30. If there are cheaper ways, please let me know.

I am in the market for refinancing. My TransUnion is 720+, but Experian in 690. Just lowered CreditCard balance to 20% by taking loan from LendingClub. Now need to check if Experian scroe went up. As far as I know, lender takes the middle score out of three credit bureau. Thanks.
www.annualcreditreport.com
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Joined Jul 2006
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MehdiAanis
05-29-2020 at 01:27 PM.
05-29-2020 at 01:27 PM.
Quote from vladnj :
www.annualcreditreport.com

I want FICO SCORE, Not Credit Report. I need to check FICO score periodically for a month.

I signed up with Experian, free, I am getting their score.
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Joined Mar 2012
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vladnj
05-30-2020 at 08:11 AM.
05-30-2020 at 08:11 AM.
Quote from MehdiAanis :
I want FICO SCORE, Not Credit Report. I need to check FICO score periodically for a month.

I signed up with Experian, free, I am getting their score.
This link (once year free) provides you with your FICO sores from all 3 Credit Bureaus.
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Joined Jun 2020
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ElatedManatee4493
06-02-2020 at 07:03 PM.
06-02-2020 at 07:03 PM.
Quote from 808Lurker :
2.375 for 15 year, ~2400 in closing costs (local cu)
What credit union?
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Joined Jun 2020
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ElatedManatee4493
06-02-2020 at 07:07 PM.
06-02-2020 at 07:07 PM.
Quote from ElephantNest :
I just refinanced two rentals last week with local mortgage company @ 3.75%. Would have gotten 2.75% if not investment properties.
What company?
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Joined Mar 2012
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jd2010
06-06-2020 at 11:35 AM.
06-06-2020 at 11:35 AM.
We have a floatdown lock right now for new purchase at 3.125 0 points and about 6k in closing costs.

510k loan, 800+ credit, >20% down

We were on track to do significantly better than that until 10 year yield spiked up over the past 2 days... no idea what we will end up with now.
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Last edited by jd2010 June 6, 2020 at 11:45 AM.
Joined Jan 2019
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terirozek
06-07-2020 at 08:00 PM.
06-07-2020 at 08:00 PM.
Closing tomorrow with WinTrust in Chicago burbs with 2.875% no points
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Joined Mar 2012
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jd2010
06-08-2020 at 07:05 AM.
06-08-2020 at 07:05 AM.
Quote from terirozek :
Closing tomorrow with WinTrust in Chicago burbs with 2.875% no points
When did you lock this? How much in closing costs and origination fees?
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Joined Jan 2019
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terirozek
06-08-2020 at 07:07 AM.
06-08-2020 at 07:07 AM.
Quote from jd2010 :
When did you lock this? How much in closing costs and origination fees?
Locked in the beginning of April, Origination fees were $1467 total closing costs were were 3024
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Joined Mar 2012
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jd2010
06-08-2020 at 07:08 AM.
06-08-2020 at 07:08 AM.
Quote from terirozek :
Locked in the beginning of April, Origination fees were $1467 total closing costs were were 3024
Nice I'm jealous sounds like hell of a deal
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Joined Mar 2012
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jd2010
06-11-2020 at 11:53 AM.
06-11-2020 at 11:53 AM.
Now getting quoted 2.875 no points no origination fee on 30 yr conventional. You could probably do better, unfortunately we locked ourselves into this broker without shopping the rate as much as we should have.
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