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  1. #51
    Join Date
    Jan 2007
    Location
    Upstate
    Posts
    7,742
    Any recs on who I should talk to in NY?

  2. #52
    Join Date
    Dec 2005
    Location
    Central OR
    Posts
    5,655
    Anyone have a guy in OR? Looking to refi, and my current mortgage carrier (USBank) is making it difficult.

  3. #53
    Join Date
    Aug 2007
    Location
    At the beach
    Posts
    16,070
    Quote Originally Posted by jmedslc View Post
    Perhaps I should be talking to you instead of my current guy?!!?
    Only if you're in California and ready to start your application Pronto as I leave for Europe in 30 days

  4. #54
    Join Date
    Aug 2006
    Posts
    363
    Trying to lock in a 3.375 on a ~$365k refi in CO. Anyone else in the front range seeing better? Wife (800+) and I (~760) both have strong credit.

  5. #55
    Join Date
    Aug 2007
    Location
    At the beach
    Posts
    16,070
    Quote Originally Posted by mdblows View Post
    Trying to lock in a 3.375 on a ~$365k refi in CO. Anyone else in the front range seeing better? Wife (800+) and I (~760) both have strong credit.
    Did you check on Zillow?

  6. #56
    Join Date
    Dec 2016
    Location
    In a van... down by the river
    Posts
    8,283
    Quote Originally Posted by liv2ski View Post
    <snip> I leave for Europe in 30 days
    Hope springs eternal.

  7. #57
    Join Date
    Aug 2007
    Location
    At the beach
    Posts
    16,070
    Quote Originally Posted by skaredshtles View Post
    Hope springs eternal.
    No s***, glad I have trip insurance

  8. #58
    Join Date
    Aug 2006
    Posts
    363
    Quote Originally Posted by liv2ski View Post
    Did you check on Zillow?
    Yeah I did - 3.375 was as good as I saw. Wanted to put a feeler out and see if anyone had the line on something better. I guess another 1/8 of a point isn't going to be material though.

  9. #59
    Join Date
    Sep 2005
    Location
    PRB
    Posts
    26,507
    Quote Originally Posted by nickwm21 View Post
    I need to do this... currently at 4.0 with a 10/1.

    I really hate this process though. No offense to the mags that are in this business, but it’s worse than going to a used car lot... the big banks are terrible to deal with, the local lenders seem to just slap a percentage on-top of a loan from elsewhere, the online mortgage companies just sell your contact info to all the lenders in a 100 mile radius....
    Where are you located? I have never found this process anywhere close to used cars. First, always get referrals, that cuts down on the unscrupulous guys. Second, check with a credit union if you have one. Third, use zillow as has been recommended (and read the reviews to make sure your selection is reputable).

    Quote Originally Posted by mdblows View Post
    Trying to lock in a 3.375 on a ~$365k refi in CO. Anyone else in the front range seeing better? Wife (800+) and I (~760) both have strong credit.
    On zillow, I saw 3.25. Cruiser on here turned me on to a guy that is usually slightly better than zillow. So yeah, you can probably do better but not much better.
    "fuck off you asshat gaper shit for brains fucktard wanker." - Jesus Christ
    "She was tossing her bean salad with the vigor of a Drunken Pop princess so I walked out of the corner and said.... "need a hand?"" - Odin
    "I'd eat a bag of Dicks and wash it down with a Coke any day." - iceman

  10. #60
    Join Date
    Oct 2007
    Posts
    10,314
    Quote Originally Posted by mdblows View Post
    Trying to lock in a 3.375 on a ~$365k refi in CO. Anyone else in the front range seeing better? Wife (800+) and I (~760) both have strong credit.
    We just refinanced and got 3.375 under similar circumstances. Knocked $350 off our monthly payment so that was nice.

    Now Iím trying to figure out how to refi a portfolio loan on another home. Any ideas? Property type basically requires a portfolio loan due to the building having a large percentage of retail. Loan is a 4.25% currently but is a 7/1. Would like to lock it in on a 30 but that isnít always an option with portfolios.

  11. #61
    Join Date
    Dec 2012
    Posts
    13,900
    I'm just a tick over 550 because I missed a couple payments on the Bentley and a chick I met on Ashley Madison rang some stuff up at Nieman Marcus. Any idea what my rate would be on a 30yr?
    "timberridge is terminally vapid" -- a fortune cookie in Yueyang

  12. #62
    Join Date
    Mar 2006
    Location
    General Sherman's Favorite City
    Posts
    25,911
    Quote Originally Posted by Timberridge View Post
    I'm just a tick over 550 because I missed a couple payments on the Bentley and a chick I met on Ashley Madison rang some stuff up at Nieman Marcus. Any idea what my rate would be on a 30yr?
    Wait, a different Ashlee?
    I still call it The Jake.

  13. #63
    Join Date
    Dec 2012
    Posts
    13,900
    Not exactly. Her name was Svetlana. She had me dress up like a Tsar, then she donned a Bolshevik outfit and would attempt to "revolutionize" me. Our safe word was 'perestroika,' which I learned if mispronounced, sounded like another Russian word which meant "hit me harder."

    I haven't met Bobby's Ashlee. Yet.
    "timberridge is terminally vapid" -- a fortune cookie in Yueyang

  14. #64
    Join Date
    Mar 2017
    Location
    SLC, Utah
    Posts
    2,383
    we're getting told 2.8% on a 15 by detrusor's guy - seems like an honest and straightforward broker, does that sound about right for today's rates to everyone else? 300k in slc

  15. #65
    Join Date
    Nov 2003
    Location
    HR
    Posts
    2,571
    Hard to predict I know, but any sense among the mortgage guys as to whether rates may go down even further given the virus turmoil?
    Iím at 4.75 and def looking to refi.

  16. #66
    Join Date
    Dec 2016
    Location
    In a van... down by the river
    Posts
    8,283

  17. #67
    Join Date
    May 2012
    Location
    san diego
    Posts
    2,650
    Quote Originally Posted by liv2ski View Post
    Only if you're in California and ready to start your application Pronto as I leave for Europe in 30 days
    PM incoming.

  18. #68
    Join Date
    Dec 2012
    Posts
    13,900
    Quote Originally Posted by Timberridge View Post
    I'm just a tick over 550 because I missed a couple payments on the Bentley and a chick I met on Ashley Madison rang some stuff up at Nieman Marcus. Any idea what my rate would be on a 30yr?
    It's a super jumbo if that helps.
    "timberridge is terminally vapid" -- a fortune cookie in Yueyang

  19. #69
    Join Date
    Aug 2007
    Location
    At the beach
    Posts
    16,070
    Thanks to the mags that reached out to me today. I have one spot left that I am saving for a $400k+ loan amount on a SFR if anyone else needs a smokin rate and fee quote.
    Quote Originally Posted by leroy jenkins View Post
    I think you'd have an easier time understanding people if you remembered that 80% of them are fucking morons.
    That is why I like dogs, more than most people.

  20. #70
    Join Date
    Aug 2007
    Location
    At the beach
    Posts
    16,070
    Quote Originally Posted by tgapp View Post
    we're getting told 2.8% on a 15 by detrusor's guy - seems like an honest and straightforward broker, does that sound about right for today's rates to everyone else? 300k in slc
    Locked in a SFR with a $650k value, $400k loan amount, 780 credit scores at 2.50% (15 years) with a $2k credit towards his $2,300 in nonrecurring costs. Boy, some of these lenders are making bank off the public.
    Quote Originally Posted by leroy jenkins View Post
    I think you'd have an easier time understanding people if you remembered that 80% of them are fucking morons.
    That is why I like dogs, more than most people.

  21. #71
    Join Date
    Oct 2003
    Location
    slc
    Posts
    14,619
    I refi'd to 3.6 a few years ago and figured that was about as good as I could ever do and I'd never worry about it again. I don't want to restart the amortization clock, but things are getting low enough to make me think about it. 3.6->3.2 only saves about $40/mo, but if they went under 3.0 I might have to do it. It's crazy to think that 8-10% was normal not too long ago.

  22. #72
    Join Date
    Jan 2009
    Location
    SLC burbs
    Posts
    2,996
    Quote Originally Posted by Dantheman View Post
    I refi'd to 3.6 a few years ago and figured that was about as good as I could ever do and I'd never worry about it again. I don't want to restart the amortization clock, but things are getting low enough to make me think about it. 3.6->3.2 only saves about $40/mo, but if they went under 3.0 I might have to do it. It's crazy to think that 8-10% was normal not too long ago.
    Similar situation here. Went from a 30-year at 4.0% to a 20-year at 3.125% after about 3 years of owning the place. I thought that would be the end of that but dropping to a 15-year below 3% after only a couple of years would mean unchanged payments and shortening the clock by 3 years. Tempting...

  23. #73
    Join Date
    Dec 2016
    Location
    In a van... down by the river
    Posts
    8,283
    Quote Originally Posted by Boissal View Post
    Similar situation here. Went from a 30-year at 4.0% to a 20-year at 3.125% after about 3 years of owning the place. I thought that would be the end of that but dropping to a 15-year below 3% after only a couple of years would mean unchanged payments and shortening the clock by 3 years. Tempting...

  24. #74
    Join Date
    Aug 2008
    Location
    PNW
    Posts
    1,467
    Make sure youíre getting a 60 day rate lock included. Everyone is going to be jammed and unlikely able to make a normal 30 day work with the spike in volume

  25. #75
    Join Date
    Aug 2007
    Location
    At the beach
    Posts
    16,070
    A 60 day lock does cost .50% more in fees than a 30 day lock normally. On a $350,000 loan amount that is $1,750 more If the guy tells you he will get it done, then the lock extension cost is on him or at least that is how I handle it.
    Quote Originally Posted by leroy jenkins View Post
    I think you'd have an easier time understanding people if you remembered that 80% of them are fucking morons.
    That is why I like dogs, more than most people.

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