07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
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This is a good article that provides some historical context for housing prices relative to median salary. Two relevant charts from the article are below.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
With excellent credit, my first home loan was at 9.5 percent. I had worked in banking for many years and that was a "very sweet" rate to be under double digits. We were grateful for that and now...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
If your parents are still around or even grandparents for that matter...ask them what their interest rate was when they purchased their first home. Rates aren't even high. The problem is they've...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
This is one of the worst times to buy a home unless you are paying all cash.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
Rates suck right now compared to the past several years. Do a 15 or 30 year, though. Rates will still probably go up. Inflation isn't in check quite yet. It's a worldwide problem thanks to COVID,...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
Thank You for your offer and I've PM'd you back as well. Very grateful.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
I dont frequent this thread as the OP anymore as the deals have dried up and I no longer shop for the refinance.
As for what you are going through I'd say its normal to the flip side that its...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
First Time (Scared) Homebuyer
Looking for our first mortgage and dreading starting as a complete noob let alone going through with the process. We've always rented (not feasible or affordable...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
I'd go to bankrate.com and see what they offer. Those are the high pressure sales companies who will often offer a great rate. Then I'd call around some local banks and credit unions. You can also...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
For that low of a loan amount I would check with smaller local banks and credit unions.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
Sadly, I am not longer managing the OP and have been out of this thread for a while as the rates and deals dried up (I also was no longer shopping and did not have time to shop and update the current...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
I'm looking to sell my current home (AZ) and buy another house. The mortgage won't be for much, maybe about $100k, I'm planning on putting a large deposit on the new house ($350k or less). I noticed...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
Excellent discussion. I live in Wisconsin and am considering refinancing. The sites listed in this thread don't appear to have a WI option. (LoanCabin - 15 states without WI, and owning appears to be...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
It was a good run.... I did two in two years... would have been closer, but Texas requires a year on the cash out...
Went from 30yr at 3.75 for a 90/10 to a 20yr with cash out at 2.5 to a 15yr at...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
Looking at these mortgage rates from even a few weeks ago makes me very sad.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
After seeing mortgage rates jump almost 50 basis points this week, I'm wondering if this marks the end of the low rate era (2-3% rates). Most of the mortgage loan aggregator sites are showing 4.5%+...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
Your post wasn't about securing a home. It was about refinancing very soon after financing it. You will want to do the math to see how long it will take before you make that $3-4k back in interest...
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
Yes. I have done multiple refis in the past. They cost me about $3-4K, small price to pay to secure a home.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
Do you have any idea how many thousands of dollars closing costs are on any mortgage? This isn't a car loan where you can refi immediately at no cost.
07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
Thread created 07-04-2020 by shahhere
+131 Score
5,901 Replies
786,098 Views
Anyone have experience with semper home loans. On today's Bankrate comparison, they appear to be the lowest for 30 year fixed by at least a 1/2 percentage point.
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