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07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)

5,052 1,724 July 4, 2020 at 01:27 PM in Free Shipping (6)
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Last Edited by shahhere July 26, 2021 at 06:35 AM
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Details on how to understand the Mortgage basics and information that I understand for your learning can be accessed on this post (Click this hyperlink to go to the post); If you are new to this process and have questions this is a Must Read before asking question on the forum!


Reviving my over a decade old thread from SD and FW as the rates have gotten competitive. This thread is a SD community thread to compare and post best rates received along with their lender experience for a quick compare and estimation from a starting point.


Please note that rates will vary on quite a few factors and just because one person has a rate will not guarantee you will receive the same rate but simply use this as a guide and negotiation tactic.

All below rates are based on assumptions of certain LTV, DTI, & Excellent Credit Scores:

30 Year Fixed best rates (Assuming Good Credit & 20% down, low LTV, low DTI, etc etc):
All listed lenders are here because I shopped them and have encountered competitive pricing and not because I get any sort of a kickback....use this as a gauge for the latest but note that things can change week to week, day to day and even hour to hour:

07/14/2021 2.875% Better.com- Will consider Lender Match to beat Competitors and combine with Amex cashback (Click here for additional Forum thread details). Amex's "Digital Assist" Team @ 800-297-7500

07/14/2021 2.875% LoanDepot.com - Is competitive but works better if you have another offer for them. My LO Luke Dean
[email protected] 949-652-4521

07/14/2021 BSMFunding (David Pressel) - Call to get the latest rates (no published online). Very competitive rates; get everything in writing via email!
https://bsmfunding.mymortgage-onl...essel.html
David Pressel (NMLS: 562175)- Branch Manager - Phone: 908-208-2036
[email protected]
07/14/2021 2.5% LoanCabin [loancabin.com] - Most Competitive but refinance times have grow to almost 6 months for many people so proceed with caution as recent reviews indicate normal 1 month closing. Generally do not charge for big Lender Fees (A+B on LE) as they are under $100 in most cases; esp if appraisal is waived for your scenario.

07/14/2021 3% LenderFi - Competitive but might be slow and not work on beating other lender rates.
30 Year Fixed Jumbo Best Rates (Assuming Good Credit & 20% down):
TBD
15 year Fixed:
07/14/2021 2.0 % Better.com; matches Bankrate rates for themselves.
07/04/2020 2.5% NIH Credit Union with Lender Credit
Title Company Comparisions:
RadianTitleDirect.com - OP has used them for almost a decade with getting best rates (closed after Covid, Lender must submit order as consumer side is closed).
ALTTitle.com
https://www.valerotitle.com/ - Texas only.
Alphabetical list of other lenders (some could be non-proven without direct member experiences posted here):
  1. AimLoan - Will provide LE without hard pull if credit is frozen https://www.aimloan.com/
  2. Amerisave - will give you scores from all 3 bureaus with just a soft pull https://www.amerisave.com/
  3. Better.com https://better.com/
  4. BoxHomeLoans https://www.boxhomeloans.com/
  5. Close Your Own Loan https://www.closeyourownloan.com/...sults.aspx
  6. Colonial Mort http://www.colonialmort.com/
  7. HighTechLending http://www.hightechlending.co/Default.aspx
  8. Interactive Mortgage https://interactivemortgage.com/ Eric from IM is super rude so good luck dealing with this guy!
  9. LenderFi https://www.lenderfi.com [lenderfi.com]if the link wont work try this backend link: https://app.lenderfi.com/app/sign...r/lenderfi
  10. Loan Cabin https://www.loancabin.com/
  11. Loan Depot https://www.loandepot.com/
  12. LoanLock https://www.loanlock.com/
  13. NavyFederal CU https://www.navyfederal.org/
  14. NIH credit union (Delware, District of Columbia, Maryland, North Carolina, Pennsylvania, Virginia, West Virginia) https://www.nihfcu.org/
  15. Northpointe Bank https://www.northpointe.com/
  16. Owning.com (Operates only in CA) https://owning.com/
  17. Pentagon Federal CU https://www.penfed.org/
  18. Provident Funding - will give LE without locking rate https://www.provident.com/
  19. RatePlus (California) https://www.rateplus.com/
  20. Travis Credit Union (12 North Cal Counties only) https://www.traviscu.org/ Eligibility traviscu.org
  21. United wholesale mortgages https://www.uwm.com/
  22. Watermark Home Loans https://www.watermarkhomeloans.com/
  23. West Coast Mortgage Associates (The loan broker is in So.Cal. Debbie Morgan) https://wcmtg.com/


Shahhere

Old Thread - https://slickdeals.net/e/1223863-03-06-2009-best-mortgage-rates-from-big-reputable-lenders-30year-5-15year-5-arm-s-etc
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Last Edited by RiversofWisdom August 18, 2021 at 03:12 PM
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Quote from MeAPhool :
I think a lot of people get confused with regards to "no closing cost". Specifically I think that is with regards to A+B+C (as referenced in this post by volcomssj48 - https://slickdeals.net/forums/showpost.php?p=138543920&postcount=138)

As per volcomssj48, this is a good place to go for a basic understanding of the LE (Loan Estimate) that should be provided to you by each lender once you give all of your information: https://www.consumerfinance.gov/o...-estimate/

I'm in NJ so I can't really shop Title Insurance much as it's the cost is regulated by the state, however in other states, you can really cut down some of the costs in section "C".
Good site for daily mortgage news. Subscribe to their daily mortgage rate news to learn about their predictions. Also take a look at the rest of their site.
http://www.mortgagenewsdaily.com/...age_rates/



Potential Lenders - Mentioned in Thread
*Please add to this list and add locality if applicable*
  1. Loan Cabin https://www.loancabin.com/
  2. Better.com https://better.com/
  3. Interactive Mortgage https://interactivemortgage.com/
  4. LenderFi https://www.lenderfi.com/
  5. owning.com (Operates only in CA) https://owning.com/
  6. NIH credit union (Delware, District of Columbia, Maryland, North Carolina, Pennsylvania, Virginia, West Virginia) https://www.nihfcu.org/
  7. Loan Depot https://www.loandepot.com/
  8. Travis Credit Union (12 North Cal Counties only) https://www.traviscu.org/ Eligibility [traviscu.org]
  9. Pentagon Federal CU https://www.penfed.org/
  10. Interactive Mortgage https://interactivemortgage.com/
  11. NavyFederal CU https://www.navyfederal.org/
  12. United wholesale mortgages https://www.uwm.com/
  13. BoxHomeLoans https://www.boxhomeloans.com/
  14. LoanLock https://www.loanlock.com/
  15. West Coast Mortgage Associates (The loan broker is in So.Cal. Debbie Morgan) https://wcmtg.com/
  16. RatePlus (California) https://www.rateplus.com/
  17. Northpointe Bank https://www.northpointe.com/
  18. HighTechLending https://hightechlending.mortgagewebcenter.com/
  19. Close Your Own Loan https://www.closeyourownloan.com/...sults.aspx
  20. AimLoan - will give LE without hard pull if credit is frozen https://www.aimloan.com/
  21. Amerisave - will give you scores from all 3 bureaus with just a soft pull
    https://www.amerisave.com/
  22. Provident - will give LE without locking rate https://www.provident.com/ Best Credit Back with 60% LTV or better.
  23. Watermark Home Loans https://www.watermarkhomeloans.com/ Skip these guys. They are being rude to Slickdealers. In one occasion they have explicitly said they don't want to do business with people from Slickdeals. They also have an approach where they give you the best rate initially and just raise it more each time you ask.
  24. Colonial Mort http://www.colonialmort.com/
  25. Annie Mac https://www.annie-mac.com/ Licensed in these states https://www.annie-mac.com/page/licensed-states/
  26. Rate Rabbit https://www.raterabbit.com/ Licensed in MA and others [raterabbit.com]

Discount lenders who DO NOT accept fully documented in tax returns self-employment income:
Owning.com
BoxHomeLoans
Lower.com

Discount Lenders that DO accept fully documented in tax returns self-employment income:
Sebonic
Caliber
Sage

Title Company Shopping
AltTitle.com
mytitlegenius.com (formerly entitle direct)
TO AVOID - Settlement LTD (local Pittsburgh run away from them - high cost, very bad service, lot of delays)


Feel Free to Add Sections for Each Lender - MeAPhool

Loan Cabin - DetailsWARNING. DO NOT GO WITH LOAN CABIN. TRUST ME.
I would have lost the home if i was trying to buy a house.
I just had a normal refi and it took then 127 days to close. out of the 27 emails i sent, they responded to 3. I even had to call (complain) their main office 2 times to get a response to any emails. they screwed the closing paperwork as well.


Loan Cabin does not charge lender fees. Actually all of this is in their FAQ but of course nobody reads anything and wants everything spoon fed.

This means A+B (reference the link above in the wiki regarding Loan Estimate) in the Loan Estimate should be 0 (as long as your appraisal is waived).

You will be responsible for Title Cost (of course you can shop that to your heart's delight)
You will be responsible for Recording Fee in your county
You will be responsible for Escrows (if you so choose OR if you are close to Homeowner's OR Property Tax payment - though you can negotiate and show evidence to get it waived. Most lender's will waive it if you are choosing not to escrow and you can show proof that you paid the upcoming Property Tax or Homeowner's Insurance)

You will be responsible for Prepaid Interest (this isn't a cost. If you didn't refinance, you'd be paying the interest at your current mortgage rate which I assume would be higher).

Lender Credit - If this covers A+B+C+E then you have a no-cost refinance. If you have a surplus aside from A+B+C+E, then technically you made money on your refinance.


If you apply and do no hear back for 3 days, then on the 3rd business day, reach out to [email protected]. They will usually help get a response on your application within a day.



If the information in this WIKI does not cover your questions, then please ask. We will answer and update WIKI accordingly.

Thanks - MeAPhool

Quote from arouncoumar :
For those needing clarity on LC closing costs, I was on the same boat. See what they charge here https://www.dropbox.com/s/r30ecea...t.png?dl=0
Quote from PeterLegend :
Here is a photo of my loan estimate from Loan Cabin, my lender credits should be closer to 3K based on my initial conversations with Bob so i'm following up with him on that.

I do see title insurance in my estimate. I reached out to Owning but I didn't quality for the no cost refinance option since my LTV was 73%, it has to be 50% or lower when I spoke to them.

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> bubble2 1,423 Posts
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ghounds07
10-21-2020 at 11:49 AM.
10-21-2020 at 11:49 AM.
Quote from cdancer20 :
I'd say then that you both did pretty good. I live in Florida and closing costs are high. I really didn't want to deal with any lender that couldn't offer enough credit to cover D ($1700-$2000 depending on title company) and E ($2200). LenderFi initially quoted me $3500 lender credit for 2.875% and that was with my husband on the loan who doesn't have the same perfect credit. I almost jumped on to match with Better but feared that their outrageous estimate at $50k over true appraisal would bite me.
Yup our appraisal was 50k over as well! One of the reasons I went with them actually as it removed PMI without even paying an appraisal fee. So thumbs up to whichever 3rd party they are using for being so optimistic woot
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johnsgirl
10-21-2020 at 12:27 PM.
10-21-2020 at 12:27 PM.
Quote from cdancer20 :
So what was your end result? Did you just pay down your credit cards?
We ended up walking away. We were unsure and didn't trust that the loan would fund even after paying down those cards. If they didn't catch the DTI, what else did they miss?

Also, we didn't want to be left without all of that cash on hand, especially during this pandemic.

Starting over now with a different lender. Hopefully this one will fund!
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ScubaCatCA
10-21-2020 at 12:39 PM.
10-21-2020 at 12:39 PM.
What do I ask for when I call for estimates for title services (specifically with Radian which I see mentioned here numerous times)? Do I just ask for a quote for a lender's title insurance policy for a refinance? What information do they need from me if I email Radian for a quote (i.e. home address, loan value, etc)?
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shahhere
10-21-2020 at 12:45 PM.
10-21-2020 at 12:45 PM.
Quote from Letsgogogo :
Did anyone get the 0.5% refund check from better.com?

Quote from shahhere :
Speaking of this; no but I did follow up last week and they said they'll send the refund asap but no dice as of today.......


Shahhere

TLDR: Got the AMF refund check today and was mailed out yesterday after chasing it around with Closing Agent at Better.


So I followed up again Yesterday morning and left a voicemail for my Closing Expert and an Email which was returned that she is out of office. I Emailed the next person she indicated in her absence that I am looking for an update on the status of the AMF refund.



The last status I had prior to last week was the original email from Better indicating that I'd receive the said fee refund. Last week I remembered that I never received anything and made a few calls and finally the Closing Expert replied that I have to call their Title Company; which turned ou to be false. Another round of calls and she emailed me saying I'll receive this by weeks end and that it was already mailed out. None of this turned out ot be true and so I called/emailed yesterday and what looks like the check was cut yesterday morning and overnighted to me.


This was included along with the check "

Enclosed you'll find a refund check totaling .05% of your Better Mortgage loan amount.


This amount was added to the total costs owed over the life of the loan because of Federal Housing Finance Agency's new Adverse Market Fee, which was to be applied to loans delivered to Fannie Mae and Freddie Mac starting September 1, 2020. The implementation date was then delayed until December 1, 2020, making the fee no longer applicable to your recently funded loan.


Though there is no legal requirement to refund costs associated with the FHFA fee, we believe its the ethical thing to do. We thank you for choosing Better Mortgage as your lender, as we wish you a happy and healthy home for many years to come."


Shahhere
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> bubble2 341 Posts
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presto987
10-21-2020 at 12:46 PM.
10-21-2020 at 12:46 PM.
Quote from ScubaCatCA :
What do I ask for when I call for estimates for title services (specifically with Radian which I see mentioned here numerous times)? Do I just ask for a quote for a lender's title insurance policy for a refinance? What information do they need from me if I email Radian for a quote (i.e. home address, loan value, etc)?
Home address, loan amount, and lender name.

Quote is for both title insurance and settlement services.
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presto987
10-21-2020 at 01:52 PM.
10-21-2020 at 01:52 PM.
Quote from mamakat :
Is this a BS line? - my LO finally let me know the status of my float down request. She says that because my home appraised for more than anticipated and now that I will no longer need PMI, my rate would not float down because the company was anticipating making some money off the PMI when my rate was locked. I locked at 2.625 in july (loancabin). I had always assumed that I couldn't get the ultimate (advertised) low rate because I didn't have 20%+ equity. And now that I do, I don't qualify anyway?
At the time I asked for float down their advertised rate was 2.375, now it seems to be 2.5.. but I am also getting a $1200 lender credit.

I have excellent credit, 20% equity, super stable job, yadda yadda.. does this sound right?
I don't know the answer to this, but what she is telling you sounds plausible.

LC, despite all their issues, seems to be one of the most straightforward lenders when it comes to pricing. LC is a correspondent lender who works with an investor (e.g. PennyMac or others) for each loan. This means that at the time of lock, they are getting a commitment from a specific investor to buy that loan once it funds.

LC's pricing pops out of a system based on the numbers they get from the investor. Whatever pops out is their best pricing; for example, to my knowledge, they do not beat other lenders' LEs. And it doesn't seem like the LOs have any incentive to not give you the best deal.

I found the following on the website that PennyMac has set up for its lending partners:
"All private mortgage insurance policies must be eligible for reinsurance by PennyMac or its affiliates."
https://www.gopennymac.com/tools/...-insurance

This makes it seem like PennyMac expects to make money on PMI via a reinsurance deal. In that case, it makes sense that their pricing would be a bit better for loans with PMI, all else equal.

Overall, you are saving money without PMI, right?

The only thing is that 2.625% with $1200 credit doesn't seem as good as what LC usually offers. But that may be a function of your location, loan size, etc. What do you see when you put your info into their website rate calculator?
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eversavage
10-21-2020 at 01:56 PM.
10-21-2020 at 01:56 PM.
I email radian my LE , with just the 1st and 2nd page..

but turns out the fees are now more than the original LE that got from the lender which was 1k..

Radian quote $795 for section C but now are added addition lines of charges on section C
So my Section C is more than $795 Mad
My section C has an additional $300 fees on top of the $795 Confused

My section E also increase by another $150
To my understanding the Section E difference fro the actual cost will be refunded

Quote from ScubaCatCA :
What do I ask for when I call for estimates for title services (specifically with Radian which I see mentioned here numerous times)? Do I just ask for a quote for a lender's title insurance policy for a refinance? What information do they need from me if I email Radian for a quote (i.e. home address, loan value, etc)?
Reply

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presto987
10-21-2020 at 02:09 PM.
10-21-2020 at 02:09 PM.
Quote from eversavage :
I email radian my LE , with just the 1st and 2nd page..

but turns out the fees are now more than the original LE that got from the lender which was 1k..

Radian quote $795 for section C but now are added addition lines of charges on section C
So my Section C is more than $795
My section C has an additional $300 fees on top of the $795

My section E also increase by another $150
To my understanding the Section E difference fro the actual cost will be refunded
Who is the lender?

Are you saying that Radian originally quoted $795 when you asked for a quote, then you decided to use them, and they added new charges at closing? What is the breakdown of charges?

You are right that section E doesn't matter.
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shahhere
10-21-2020 at 02:14 PM.
10-21-2020 at 02:14 PM.
Quote from presto987 :
Who is the lender?

Are you saying that Radian originally quoted $795 when you asked for a quote, then you decided to use them, and they added new charges at closing? What is the breakdown of charges?

You are right that section E doesn't matter.

Just wanted to clarify that when you get a quote you can get 1 price and then when they (Radian) gets the order from the Lender, the lender could ask for other endorsement items that can inflate your title costs.


In my case Better forgot to add the PUD rider but since this was after closing disclosures were generated they ate the fee (Gave me equivalent credit) but I'd have had to pay with other lenders for sure.



Shahhere
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mamakat
10-21-2020 at 02:37 PM.
10-21-2020 at 02:37 PM.
Quote from presto987 :
I don't know the answer to this, but what she is telling you sounds plausible.

LC, despite all their issues, seems to be one of the most straightforward lenders when it comes to pricing. LC is a correspondent lender who works with an investor (e.g. PennyMac or others) for each loan. This means that at the time of lock, they are getting a commitment from a specific investor to buy that loan once it funds.

LC's pricing pops out of a system based on the numbers they get from the investor. Whatever pops out is their best pricing; for example, to my knowledge, they do not beat other lenders' LEs. And it doesn't seem like the LOs have any incentive to not give you the best deal.

I found the following on the website that PennyMac has set up for its lending partners:
"All private mortgage insurance policies must be eligible for reinsurance by PennyMac or its affiliates."
https://www.gopennymac.com/tools/...-insurance

This makes it seem like PennyMac expects to make money on PMI via a reinsurance deal. In that case, it makes sense that their pricing would be a bit better for loans with PMI, all else equal.

Overall, you are saving money without PMI, right?

The only thing is that 2.625% with $1200 credit doesn't seem as good as what LC usually offers. But that may be a function of your location, loan size, etc. What do you see when you put your info into their website rate calculator?

Thanks for input!
The rate I see on their website now is 2.5 but no credit.
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presto987
10-21-2020 at 03:01 PM.
10-21-2020 at 03:01 PM.
Quote from mamakat :
Thanks for input!
The rate I see on their website now is 2.5 but no credit.
That is what I'm seeing for my parameters as well. If you are seeing 2.5% with zero in the points/credit column, then I think that means you'd be eligible for 2.5% with some credits; they just don't show the credits on the site.

This makes me think that you should either be eligible for a float-down or borderline. If the 2.5% came with at least $1200 in credits then I think you should be eligible. Maybe you are just short of that. It would be helpful if your LO told you how far away you are from being eligible. Because if you are close, then maybe you would be able to float down in the next few days as rates fluctuate.
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scottman
10-21-2020 at 04:34 PM.
10-21-2020 at 04:34 PM.
I think most lenders have been drifting within a range of only a few 1/8s point of credit in rates the past couple weeks, which could mean a few hundred $ difference in cost/credit depending on when locked, but not usually rate. I also noticed LC advertised rate dropped from 2.625 to 2.5 from when I recently got a quote, but the points at the time for 2.5 would have only been about 1/16, so like presto said, they seem to only list the rate that comes with AT LEAST 0 points, and it seems it just inched to that level. It would probably take a lot of improvement to get another 1/8 lower in rates given .5% fee which agent told me started being added 9/22.

I am no expert, but if 10 yr treasury rate keeps rising from today which is at its highest since june, then MBS and mortgage rates may start inching up more quickly. Those with weak stomachs may want to lock soon if they are still in the mid 2 range. But of course bad economy news or election drama could also cause quick reverses in 10 yr rates.
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Last edited by scottman October 21, 2020 at 04:37 PM.
Joined Apr 2007
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> bubble2 341 Posts
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presto987
10-21-2020 at 04:59 PM.
10-21-2020 at 04:59 PM.
Quote from scottman :
I think most lenders have been drifting within a range of only a few 1/8s point of credit in rates the past couple weeks, which could mean a few hundred $ difference in cost/credit depending on when locked, but not usually rate. I also noticed LC advertised rate dropped from 2.625 to 2.5 from when I recently got a quote, but the points at the time for 2.5 would have only been about 1/16, so like presto said, they seem to only list the rate that comes with AT LEAST 0 points, and it seems it just inched to that level. It would probably take a lot of improvement to get another 1/8 lower in rates given .5% fee which agent told me started being added 9/22.

I am no expert, but if 10 yr treasury rate keeps rising from today which is at its highest since june, then MBS and mortgage rates may start inching up more quickly. Those with weak stomachs may want to lock soon if they are still in the mid 2 range. But of course bad economy news or election drama could also cause quick reverses in 10 yr rates.
You are right about the 10-year Treasury rate. It hit a low on August 4 at 0.51% and is now at 0.81%. If this were to pass through one-for-one to mortgage rates, that means mortgage rates would be 0.3% higher now than they were on August 4.

The good news is that average mortgage rates had been 2-2.5% above US Treasury rates, whereas historically they had been 1.5-2% above. So if that spread could compress, there was room for mortgage rates to fall.

That is basically what has happened, because mortgage rates have been pretty much unchanged as the Treasury rate has risen.
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> bubble2 252 Posts
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nic3456
10-21-2020 at 07:06 PM.
10-21-2020 at 07:06 PM.
Just closed a few days ago with Dave P/Bayshore. Good Experience overall. I was one of the first to reach out to him (assuming since I contacted him the first day Shahhere put info out). Communication slowed down a bit as the SD effect started to have impact, but was as good/better than any other lender I've spoken with this year. Took a couple weeks longer than I originally expected, but not a big deal. Was able to get appraisal waived on a cash out refi. Next best lender was 1/8% higher with $1,000 less in credits (Loan Cabin). I also used National Title Solutions as they were a bit cheaper than Radian that Bayshore was using.

Thanks Shahhere & Dave!
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cdancer20
10-22-2020 at 06:45 AM.
10-22-2020 at 06:45 AM.
Quote from ghounds07 :
Yup our appraisal was 50k over as well! One of the reasons I went with them actually as it removed PMI without even paying an appraisal fee. So thumbs up to whichever 3rd party they are using for being so optimistic woot
Yea they tried to sell me the fact that I could close with a higher loan amount due to the high appraisal. My goal was to get rid of PMI this go around and was already prepared to pay cash up front. I probably would have done it too, if I wasn't doing the Better Amex deal at the time.
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