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      12-27-2020, 09:59 AM   #67
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Locked in 3% 30 year fixed on my jumbo back in June. I could have gotten a lower rate for more points, but we aren't planning on staying for the full 30 so it didn't make sense to amortize the fees. Ironically we refinanced in 2019 thinking we scored with a good rate not knowing it would go down even more in 2020.
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      12-28-2020, 03:46 PM   #68
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We are still on original 15 yr note at 2 7/8% fixed from 9 years ago.

Great rates right now.
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      12-28-2020, 04:29 PM   #69
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Quote:
Originally Posted by jmg View Post
Locked in 3% 30 year fixed on my jumbo back in June. I could have gotten a lower rate for more points, but we aren't planning on staying for the full 30 so it didn't make sense to amortize the fees. Ironically we refinanced in 2019 thinking we scored with a good rate not knowing it would go down even more in 2020.
Same here. 3% on 30 year fixed jumbo, closed in October. I thought I did good on last house 3 years ago with 3.375 but I paid points for that rate. None on current.
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      12-28-2020, 04:34 PM   #70
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I need to refinance. Bigly. Have to take a day and get this done!
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      12-28-2020, 04:41 PM   #71
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2.65 no points 30 yr. saving $700/m lol from my 4.25% from 2016.
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      12-28-2020, 04:42 PM   #72
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Quote:
Originally Posted by 4Hockey4 View Post
We are still on original 15 yr note at 2 7/8% fixed from 9 years ago.

Great rates right now.
Close to the same for me, 2.75% on a 15 year, about 7 years ago.
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      12-28-2020, 07:22 PM   #73
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Originally Posted by David70 View Post
Close to the same for me, 2.75% on a 15 year, about 7 years ago.
Me, three! Been paying it off at an accelerated rate, and will have it paid off in 2024 if our employment situations don't change. Haven't considered a re-fi, since our monthly interest is under $100 at this point in the loan's life.....
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      12-28-2020, 07:28 PM   #74
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Originally Posted by TboneS54 View Post
2.65 no points 30 yr. saving $700/m lol from my 4.25% from 2016.
I know someone who just got a raise, more car parts!!
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      12-28-2020, 09:37 PM   #75
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expect rates to creep back up next year?
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      12-29-2020, 08:27 AM   #76
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expect rates to creep back up next year?
Interested in this as well. Hope to purchase within the next year if all goes as planned!
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      12-29-2020, 08:44 AM   #77
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Interested in this as well. Hope to purchase within the next year if all goes as planned!
guess would be short term they hold, as we come out of Covid, employment #'s increase, it'll creep back up. I suspect they'll stay good for 6 months or so. We are about as low as they'll go right now IMO, within 1/8 point or so.

Real estate prices are jumping, at least in this area, esp. outside of cities, have been trending that way all here. (consulting with property mgmt company all year, movement slow, low inventory, high prices)
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      12-29-2020, 08:47 AM   #78
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I just closed on a house in the chicago burbs at 2.75%
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      12-29-2020, 06:59 PM   #79
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Quote:
Originally Posted by 4Hockey4 View Post
guess would be short term they hold, as we come out of Covid, employment #'s increase, it'll creep back up. I suspect they'll stay good for 6 months or so. We are about as low as they'll go right now IMO, within 1/8 point or so.

Real estate prices are jumping, at least in this area, esp. outside of cities, have been trending that way all here. (consulting with property mgmt company all year, movement slow, low inventory, high prices)


i hope market falls apart next year. I have retards nearby me paying close to 600k for new construction with no pool, 4/3, 2200 sq ft, no security etc. Gotta love it.
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      12-29-2020, 08:19 PM   #80
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conventional loan 30yr term at 3.125% no points
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      12-30-2020, 07:38 AM   #81
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Quote:
Originally Posted by TrevorM3 View Post
Quote:
Originally Posted by 4Hockey4 View Post
guess would be short term they hold, as we come out of Covid, employment #'s increase, it'll creep back up. I suspect they'll stay good for 6 months or so. We are about as low as they'll go right now IMO, within 1/8 point or so.

Real estate prices are jumping, at least in this area, esp. outside of cities, have been trending that way all here. (consulting with property mgmt company all year, movement slow, low inventory, high prices)


i hope market falls apart next year. I have retards nearby me paying close to 600k for new construction with no pool, 4/3, 2200 sq ft, no security etc. Gotta love it.
Lol that's dirt cheap compared to here. That's $800-900k easy.
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      01-03-2021, 08:59 PM   #82
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Just refinanced again, traditional 30y for 2.25% no points ~1100 closing costs
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      01-04-2021, 06:33 AM   #83
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Quote:
Originally Posted by Hawkeye View Post
Just refinanced again, traditional 30y for 2.25% no points ~1100 closing costs
That seems like awfully low closing costs. Is this typical for most?

We’re planning on moving in a few years, so I hadn’t really considered a refi with the closing costs. If we can drop to <2.5% without points and that low of closing costs this might make sense...
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      01-04-2021, 08:14 AM   #84
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Quote:
Originally Posted by spazzyfry123 View Post
That seems like awfully low closing costs. Is this typical for most?

We’re planning on moving in a few years, so I hadn’t really considered a refi with the closing costs. If we can drop to <2.5% without points and that low of closing costs this might make sense...
I think the credit unions around me are usually in the $1500-1800 range but since I had refinanced recently I did not need another appraisal which helped lower the costs.
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      01-04-2021, 01:23 PM   #85
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2.62% with 0 points. 30yr, just closed.
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      01-04-2021, 01:48 PM   #86
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2.62% with 0 points. 30yr, just closed.
Nice!
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      01-04-2021, 03:05 PM   #87
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Quote:
Originally Posted by Hawkeye View Post
I think the credit unions around me are usually in the $1500-1800 range but since I had refinanced recently I did not need another appraisal which helped lower the costs.
Can you say or message me the credit union name you used? Seems like you got the best rates so far in this thread.
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      01-04-2021, 03:34 PM   #88
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Quote:
Originally Posted by spazzyfry123 View Post
That seems like awfully low closing costs. Is this typical for most?
Depends on the state, no way closing costs are that low in FL, so many BS fees, title insurance, transfer taxes, etc.
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