Mortgage rate brag thread

[DesiPower]

Refying at 3.35%, 15 years no closing cost, will get $300 credit for something.

 

[mizzou]

no closing cost, .

explain yourself cheater

 

[j&j]

stop cheating, lying on the internet is still fun?

 

[KK]

explain yourself cheater

I'm guessing he's rolling it into the mortgage.

 

[Doppel]

4.875 30 year. This was a refi and still rolled in thousands on closing, the greatest scam of the 21st century I think isn't it? I even stayed with the same lender.

 

[OILFIELDTRASH]

3.875% 30 yr, no points

 

[jhu]

0.9%, 30 year, no points.

 

[Doppel]

0.9%, 30 year, no points.

If that's real and you're in Japan it costs $1M for a one bedroom apartment, your housing is still a bubble.

 

[SunnyD]

4.25%, 30 year fixed, $0 down, no PMI. This was last year. 😛

 

[dud]

0%, 0 year anything, $0 down, no PMI or anything else. Other than the damn property taxes I owe nothing to a mortgage company ... or anyone else.

 

[JEDI]

Libor rate, 99yr, ZERO cost (aka nothing rolled into mortgage) 😀

will pay off in about 15yrs

 

[ponyo]

0%. I write a check once a year to my county and city.

 

[DesiPower]

explain yourself cheater

stop cheating, lying on the internet is still fun?

I am not lying, I will post a picture once I receive the docs. well... its actually 3.375%.
I am currently at 4.5% 20 years. Closing cost is being paid by the loan broker, its common, there's no cheating, remember ditech.com?

I'm guessing he's rolling it into the mortgage.

Not sure about that, I know the amount I am refinancing and the monthly payment before escrow makes sense to me.

 

[manimal]

0%


Paying associating fees yearly to the biggest HOA on the continent. Government.

 

[mizzou]

I am not lying, I will post a picture once I receive the docs. well... its actually 3.375%.
I am currently at 4.5% 20 years. Closing cost is being paid by the loan broker, its common, there's no cheating, remember ditech.com?



Not sure about that, I know the amount I am refinancing and the monthly payment before escrow makes sense to me.

whats your total loan value and equity?

 

[KK]

Not sure about that, I know the amount I am refinancing and the monthly payment before escrow makes sense to me.

What is your payoff on your current loan vs. the amount of the new loan?

 

[spidey07]

Treasury yields just hit another low today, the rates should be lower. 15 year was under 3.25%.

 

[DrPizza]

Around 1%, adjustable rate. I owe less than a new car; in fact, my payments (excluding escroll), are far less than a typical car payment. So, there's no point in refinancing.

 

[guyver01]

.075% ... 40 year fixed... no closing costs... $15,000 rebate.... and the seller is giving me $120,000 just for being nice.

 

[DesiPower]

whats your total loan value and equity?

equity is close to 25%, loan amount ~200k

 

[Red Squirrel]

3.75%. The day I got it is the day it went up to close to 4, but I got the low rate. The banker basically told me I was quite lucky for having calling that day and not waiting. Win for me.

 

[DesiPower]

What is your payoff on your current loan vs. the amount of the new loan?

same, exactly the same

 

[DesiPower]

Around 1%, adjustable rate. I owe less than a new car; in fact, my payments (excluding escroll), are far less than a typical car payment. So, there's no point in refinancing.

That's good if you plan to sell off around the time its starts to sykrocket.

 

[DesiPower]

Treasury yields just hit another low today, the rates should be lower. 15 year was under 3.25%.

Yes, infact the advertized rate on bankrate IS 3.25%

 

[DrPizza]

That's good if you plan to sell off around the time its starts to sykrocket.

Why the hell would I do that? I owe next to nothing on it, and since the day I got it, it's always been below the current fixed rate. I expect to live here until I retire, if not longer. Even if it went up to 10% now, the effect would be close to negligible.