| Posted By |
Message |
Serendipity
Summer!
Member since 4/07 7631 total posts
Name:
PrayingWishingHopingALOT
|
If you refinanced recently..What rate?
What rate did everyone get and what terms?
|
Posted 10/15/10 8:23 AM  |
| |
|
Prudential Douglas Elliman Real Estate
Long Island's Largest Bridal Resource | Long Island Weddings |
VeeJay
Love baby feet
Member since 2/09 2894 total posts
Name:
|
Re: If you refinanced recently..What rate?
we are in the process of refinancing through Teachers credit union, we have mot yet locked in a rate but it is somewhere around 3.875% for a 20 year.
|
| Posted 10/15/10 8:40 AM |
| |
|
MaMaTeenie
Party of 5
Member since 4/08 6489 total posts
Name:
Mommy
|
Re: If you refinanced recently..What rate?
it all depends on your situation. If you want help lmk, I can find out for you. FM me.
|
| Posted 10/15/10 11:00 AM |
| |
|
Lisa
I'm a PANK!!!
Member since 5/05 22334 total posts
Name:
Professional Aunts No Kids
|
Re: If you refinanced recently..What rate?
3.875% for 15 years
|
| Posted 10/15/10 11:25 AM |
| |
|
Serendipity
Summer!
Member since 4/07 7631 total posts
Name:
PrayingWishingHopingALOT
|
Re: If you refinanced recently..What rate?
Posted by MaMaTeenie
it all depends on your situation. If you want help lmk, I can find out for you. FM me.
No thats ok we have someone already. Just curious what everyone else got.
We are going with 4.375 30 year fixed
|
| Posted 10/15/10 12:25 PM |
| |
|
Teri
my girls!
Member since 2/06 1491 total posts
Name:
Teri
|
Re: If you refinanced recently..What rate?
We have a 5 year arm at 3.4% I think
|
| Posted 10/15/10 3:32 PM |
| |
|
MissJones
I need a nap!
Member since 5/05 22136 total posts
Name:
|
Re: If you refinanced recently..What rate?
4.3 for 20 year.  Went down 2% though.
|
| Posted 10/15/10 5:39 PM |
| |
|
Karen
Just chillin'!!
Member since 1/06 9690 total posts
Name:
Karen
|
Re: If you refinanced recently..What rate?
4.25% - 30 year fixed
Down 2+ pts from what we previously had.
|
| Posted 10/15/10 6:32 PM |
| |
|
mommy2Alex
3 babies for me :)
Member since 5/05 6683 total posts
Name:
|
Re: If you refinanced recently..What rate?
4.375 for a 20 year
|
| Posted 10/15/10 7:06 PM |
| |
|
want2beamom
Love my boys soooo much!!!
Member since 8/06 10164 total posts
Name:
True love doesn't end with happily ever after...
|
Re: If you refinanced recently..What rate?
If you got in the low 4s, or even 3's (which is AWESOME!) did you have to buy a point?
|
| Posted 10/15/10 7:45 PM |
| |
|
MommaG
Yay Spring!
Member since 5/05 5133 total posts
Name:
Gloria
|
Re: If you refinanced recently..What rate?
We are modifying our existing loan - 15 year for 3.875% - no points. If we refinanced (more $$$ out of pocket) the rate would have been 3.625 for 15 years, no points.
|
| Posted 10/15/10 8:07 PM |
| |
|
KittyGags
LIF Adult
Member since 7/09 5614 total posts
Name:
|
Re: If you refinanced recently..What rate?
Posted by want2beamom
If you got in the low 4s, or even 3's (which is AWESOME!) did you have to buy a point?
This is my Q as well...I am getting 4.6 with no points or if I pay the point I can do 4.2
|
| Posted 10/15/10 8:43 PM |
| |
|
maymama
my little loves
Member since 8/08 18453 total posts
Name:
|
Re: If you refinanced recently..What rate?
about a month ago - 30 yr. 4.875
|
| Posted 10/15/10 11:09 PM |
| |
|
maybesoon
LIF Adult
Member since 9/09 5981 total posts
Name:
|
Re: If you refinanced recently..What rate?
4.25 30 year no points
|
| Posted 10/16/10 8:51 AM |
| |
|
sunnyflies
LIF Adult
Member since 9/09 1757 total posts
Name:
|
Re: If you refinanced recently..What rate?
Who through for 4.25 and 30 years? I have a Chase mtg and while I keep getting calls from them to refinance, Chases rates aren't too good.
|
| Posted 10/18/10 10:17 PM |
| |
|
mdn13
LIF Toddler
Member since 8/07 408 total posts
Name:
Marcie
|
Re: If you refinanced recently..What rate?
Just locked today for 3.75 for a 30 year fixed! With TFCU
|
| Posted 10/20/10 4:17 PM |
| |
|
MsSissy
xoxoxo
Member since 3/07 39159 total posts
Name:
|
Re: If you refinanced recently..What rate?
Posted by mdn13
Just locked today for 3.75 for a 30 year fixed! With TFCU
Was this with paying down points?
|
| Posted 10/20/10 4:27 PM |
| |
|
MsSissy
xoxoxo
Member since 3/07 39159 total posts
Name:
|
Re: If you refinanced recently..What rate?
Posted by MommaG
We are modifying our existing loan - 15 year for 3.875% - no points. If we refinanced (more $$$ out of pocket) the rate would have been 3.625 for 15 years, no points.
WOW...where is this if you don't mind me asking?
|
| Posted 10/20/10 4:28 PM |
| |
|
mdn13
LIF Toddler
Member since 8/07 408 total posts
Name:
Marcie
|
Re: If you refinanced recently..What rate?
Posted by Mssissy
Posted by mdn13
Just locked today for 3.75 for a 30 year fixed! With TFCU
Was this with paying down points?
No, but paid 1/2 a point for for a 30 day lock because we don't have a closing date yet. But for that rate it was well worth it!
|
| Posted 10/21/10 6:36 PM |
| |
|
JJN4
LIF Adult
Member since 5/09 1109 total posts
Name:
|
Re: If you refinanced recently..What rate?
Posted by mdn13
Just locked today for 3.75 for a 30 year fixed! With TFCU
Do you have to pay an application fee & closing costs?
|
| Posted 10/21/10 8:46 PM |
| |
|
mdn13
LIF Toddler
Member since 8/07 408 total posts
Name:
Marcie
|
Re: If you refinanced recently..What rate?
Posted by JJN4
Posted by mdn13
Just locked today for 3.75 for a 30 year fixed! With TFCU
Do you have to pay an application fee & closing costs?
Yes. $60 application fee. We rolled the closing costs into the mortgage because even with those costs we're still saving every month because of the low rate.
|
| Posted 10/21/10 8:55 PM |
| |
|
Serendipity
Summer!
Member since 4/07 7631 total posts
Name:
PrayingWishingHopingALOT
|
Re: If you refinanced recently..What rate?
Posted by mdn13
Posted by JJN4
Posted by mdn13
Just locked today for 3.75 for a 30 year fixed! With TFCU
Do you have to pay an application fee & closing costs?
Yes. $60 application fee. We rolled the closing costs into the mortgage because even with those costs we're still saving every month because of the low rate.
Do you know what the closing cost were?
|
| Posted 10/21/10 9:08 PM |
| |
|
TNT1005
LIF Adult
Member since 3/10 1110 total posts
Name:
|
Re: If you refinanced recently..What rate?
Posted by Serendipity
Posted by mdn13
Posted by JJN4
Posted by mdn13
Just locked today for 3.75 for a 30 year fixed! With TFCU
Do you have to pay an application fee & closing costs?
Yes. $60 application fee. We rolled the closing costs into the mortgage because even with those costs we're still saving every month because of the low rate.
Do you know what the closing cost were?
I was going to ask the same thing? How much closing cost?
|
| Posted 10/21/10 9:14 PM |
| |
|
mdn13
LIF Toddler
Member since 8/07 408 total posts
Name:
Marcie
|
Re: If you refinanced recently..What rate?
Posted by TNT1005
Posted by Serendipity
Posted by mdn13
Posted by JJN4
Posted by mdn13
Just locked today for 3.75 for a 30 year fixed! With TFCU
Do you have to pay an application fee & closing costs?
Yes. $60 application fee. We rolled the closing costs into the mortgage because even with those costs we're still saving every month because of the low rate.
Do you know what the closing cost were?
I was going to ask the same thing? How much closing cost?
Sorry I didn't get back to you sooner. Closing costs for us were about $12,000. (It's different for everybody)
Part of that (about $4,600) was $$ for escrow so I will be getting that back from previous mortgage company. About $3000 was for state taxes. The banks charges were about $3,000. Then another $1,400 for something they called hazard ins. premium.
But we rolled all this back into the mortgage. And still our payments will be less and we will pay back less overall.
HTH 
|
| Posted 10/23/10 7:35 PM |
| |
|
