What mortgage rates are you getting today?

Discussion
1

I’m negotiating with multiple lenders (local broker, midsize bank, large bank, and a local credit union in AL). Best rate offered was 6% with no discount points but 1% origination. APR 6.16%. 30 yr/conv fixed with 40% down. 800+ credit score, no debt.

2

6.375% - 30/year conventional same as you with high down payment, great credit score, no debt. Located in NY

3

Fern said:
6.375% - 30/year conventional same as you with high down payment, great credit score, no debt. Located in NY

When did you get this rate?

4

Rory said:

Fern said:
6.375% - 30/year conventional same as you with high down payment, great credit score, no debt. Located in NY

When did you get this rate?

Within the last week. Working towards my closing currently.

5

Fern said:
6.375% - 30/year conventional same as you with high down payment, great credit score, no debt. Located in NY

Who did you use? I’m also in NY, great credit, no debt, 20% down and I’m getting told 6.75%

6

@Ainsley
Check the nerd wallet calculator! Farmers Bank of Kansas seems to be the lowest no pts, I think if you can, do 25% down

7

@Ainsley
I’m using homestead funding corp.

8

5/1 arm @ 5.875% with closing cost covered.

9

Kelby said:
5/1 arm @ 5.875% with closing cost covered.

Which company if you don’t mind sharing?

10

Devlin said:

Kelby said:
5/1 arm @ 5.875% with closing cost covered.

Which company if you don’t mind sharing?

Not at all. Space Coast Credit Union.

11

Kelby said:

Devlin said:
Kelby said:
5/1 arm @ 5.875% with closing cost covered.

Which company if you don’t mind sharing?

Not at all. Space Coast Credit Union.

I read this as Space Ghost Credit Union and thought it was hilarious.

12

@Rory
Coast to coast

13

Devlin said:

Kelby said:
5/1 arm @ 5.875% with closing cost covered.

Which company if you don’t mind sharing?

Weber Mortgage

14

Kelby said:
5/1 arm @ 5.875% with closing cost covered.

also interested in who you went with

15

Chase said:

Kelby said:
5/1 arm @ 5.875% with closing cost covered.

also interested in who you went with

Space Coast Credit Union.

16

Kelby said:
5/1 arm @ 5.875% with closing cost covered.

I’m in south Florida too. That’s a sweet rate for nowadays. Going to check them out!

17

Bex said:

Kelby said:
5/1 arm @ 5.875% with closing cost covered.

I’m in south Florida too. That’s a sweet rate for nowadays. Going to check them out!

Also South Florida. We have 5.624% with United Wholesale Mortgage.

18

@Corey
Did you sign up with them or go through an agent/broker?

19

Bex said:
@Corey
Did you sign up with them or go through an agent/broker?

We went through an agent who shopped around for us.

20

Bex said:
@Corey
Did you sign up with them or go through an agent/broker?

I’ll add, this was a refinance…I wouldn’t think that would change anything as far as available interest rates go…but maybe?