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Mortgage Rates Low Now
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Betsy
Mueller Community

Posts: 542
Joined on December 17th, 2007
Mortgage Rates Low Now
by Betsy on July 14th, 2010

I'd like to attend if you have an info session. Thanks!

Betsy
 
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icemonkeyharvest
Mueller Community

Posts: 334
Joined on August 19th, 2007
Refinancing Seminar
by icemonkeyharvest on July 15th, 2010

I've added the event to the calendar for Thursday July 22 at 7:00pm.
 
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Threadgill Gal
Mueller Community

Posts: 26
Joined on January 31st, 2009
Mortgage Rates Low Now
by Threadgill Gal on July 15th, 2010

We'd like to attend as well. Got the date and time: July 22nd @ 7 pm - let us know once the location is decided.

Thanks for making this happen so quickly!
Sadia
 
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icemonkeyharvest
Mueller Community

Posts: 334
Joined on August 19th, 2007
Mortgage Rates Low Now
by icemonkeyharvest on July 15th, 2010

2016 McCloskey St. I've added it to the events calendar.
 
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smittyhoo
Mueller Community

Posts: 445
Joined on November 4th, 2008
Mortgage Rates Low Now
by smittyhoo on July 16th, 2010

Awesome, $20 cover payable to me.
 
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icemonkeyharvest
Mueller Community

Posts: 334
Joined on August 19th, 2007
Mortgage Rates Low Now
by icemonkeyharvest on July 16th, 2010

In singles, but only if you dance for us.
 
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smittyhoo
Mueller Community

Posts: 445
Joined on November 4th, 2008
Mortgage Rates Low Now
by smittyhoo on July 16th, 2010

Quote:
In singles, but only if you dance for us.


Sounds fine, but we need to work out my appearance fee beforehand.
 
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icemonkeyharvest
Mueller Community

Posts: 334
Joined on August 19th, 2007
Mortgage Rates Low Now
by icemonkeyharvest on July 17th, 2010

Just a heads up, rates are around 4.24 for a 30 yr fixed and 3.825 for a 15 fixed.
 
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icemonkeyharvest
Mueller Community

Posts: 334
Joined on August 19th, 2007
Mortgage Rates Low Now
by icemonkeyharvest on July 20th, 2010

Sorry, that's 4.25 for a 30 and it looks like 15 has dropped another point to 3.75.
 
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smittyhoo
Mueller Community

Posts: 445
Joined on November 4th, 2008
Mortgage Rates Low Now
by smittyhoo on July 20th, 2010

If you go to sites like bankrate.com you will see really low rates like what you are listing. However, what they are failing to mention in those ads is that you can only get that rate in certain states (not TX) and only if you pay 3 points. The national overnight average is 4.59, so I want people to be realistic and expect something in the 4.5-4.625 range, definitely not 4.25.

What people should definitely do if they have the cash though is compare a no-cost refi at a higher rate to one where they pay a bit upfront and look at the payback period vs. how long they plan to stay in the house. If you can get a payback of less than five years it definitely makes sense to pay a little more upfront in the majority of cases.

If anyone needs help running the numbers I can do it very quickly. Just PM me.
 
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