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Good time to refinance
pianoman9701:
Bad days in the market are good days for bonds. Good days for bonds are normally great days for mortgage rates. Rates have been dropping. If you need to consolidate debt, have a project you want to complete this summer, or even want a down payment to purchase a second home or rental, this might be just the right time to refinance or get a second mortgage. Call me and we'll play with the numbers.
Rat44:
I bought my house at the worst of the housing crunch couple of years ago.
Over paid for the house but got 2.6 % loan.
Tired of all these phone calls trying to get me to refie.
Don't think the rates are going to get any lower than what I have.
Scary to think about the younger families trying to buy their first house. :(
tracksoup:
What are the rates now?
I’ve heard they’ve come however still seems aways from the 2-3 % column.
pianoman9701:
--- Quote from: tracksoup on April 05, 2025, 11:49:01 AM ---What are the rates now?
I’ve heard they’ve come however still seems aways from the 2-3 % column.
--- End quote ---
An actual note rate is determined by over a dozen factors - fico, loan size, debt to income, loan to value, term. etc. If you want to run some numbers, figure out what you want to do and send me a message or call. 360-771-1914. 2-3% is a no just yet.
jrebel:
--- Quote from: tracksoup on April 05, 2025, 11:49:01 AM ---What are the rates now?
I’ve heard they’ve come however still seems aways from the 2-3 % column.
--- End quote ---
Between 5.5 and 6.5%. I assume if you want to pay out the nose, you can buy points and lower that rate a bit.
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