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Tiger v Gorilla
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Tiger v Gorilla said...
What % should I expect to get on a 15 year fixed right now.
What % should I expect to get on a 30 year fixed right now.
I owe 200K on my house right now. I bought it 3 years ago and paid 265,000. House is currently worth 240K.
Me and my wife have excellent credit
Right now I pay 4.875% on a 30 year fixed
This post was edited by Chitown_Badger on 4/24/2012 at 9:35 AM
Chitown_Badger
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Motown Spartan
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DnvrSprtnhd said...
Don't know if it will be worth it since you are already at 4.875, can you get to 3.75? are you going to live there a long time? Why are you refinancing, lower payments or to pay off sooner?
This post was edited by Tiger v Gorilla on 4/24/2012 at 9:43 AM
Tiger v Gorilla
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Tiger v Gorilla
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Tiger v Gorilla said...
What % should I expect to get on a 15 year fixed right now.
What % should I expect to get on a 30 year fixed right now.
I owe 200K on my house right now. I bought it 3 years ago and paid 265,000. House is currently worth 240K.
Me and my wife have excellent credit
Right now I pay 4.875% on a 30 year fixed
"As far as the downvotes. It's a gnat biting an lion" -- A member of tRCMB Justice League, taking the internet WAY WAY too seriously.
Rocket_Play
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Watch Out Pylon
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Tiger v Gorilla said...
What % should I expect to get on a 15 year fixed right now.
What % should I expect to get on a 30 year fixed right now.
I owe 200K on my house right now. I bought it 3 years ago and paid 265,000. House is currently worth 240K.
Me and my wife have excellent credit
Right now I pay 4.875% on a 30 year fixed
This post was edited by WarSpartans3132 on 4/24/2012 at 12:03 PM
WarSpartans3132
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Tiger v Gorilla
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WarSpartans3132
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War-Spartans said...
Cause you need one to get a loan...
Isn't a mortgage broker bitching about questions like this about the same as a lawyer bitching about having to discuss a case with a client? It's their job. I've asked my mortgage broker a ton of questions...she hasn't been great, but I sure as hell expect her to answer them, and do it quickly and thoroughly if she doesn't want me to tell her to eff off and I find someone else.
I just had a mental picture of some mortgage broker sitting in their office..."wahhh, these people keep asking me questions about mortgages...I can't take it!"
This post was edited by Chitown_Badger on 4/24/2012 at 12:58 PM
Chitown_Badger
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Chitown_Badger said...
Isn't a mortgage broker bitching about questions like this about the same as a lawyer bitching about having to discuss a case with a client? It's their job. I've asked my mortgage broker a ton of questions...she hasn't been great, but I sure as hell expect her to answer them, and do it quickly and thoroughly if she doesn't want me to tell her to eff off and I find someone else.
I just had a mental picture of some mortgage broker sitting in their office..."wahhh, these people keep asking me questions about mortgages...I can't take it!"
TravisotCosmos
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TravisotCosmos said...
No, its not that people ask questions, its that they ask the wrong ones. Walking in and saying "what's your rate" without being willing to answer any other questions is the type of client that drives a mortgage guy nuts. To use your analogy, its like walking into a lawyers office and saying "what kind of settlement can you get me" without telling the lawyer anything else.
Not a mortgage banker. Work closely with them.
The Only Colors
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P Rob
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TravisotCosmos said...
No, its not that people ask questions, its that they ask the wrong ones. Walking in and saying "what's your rate" without being willing to answer any other questions is the type of client that drives a mortgage guy nuts. To use your analogy, its like walking into a lawyers office and saying "what kind of settlement can you get me" without telling the lawyer anything else.
Not a mortgage banker. Work closely with them.
Chitown_Badger
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The Only Colors said...
That happens to every profession. Every profession can complain about the wrong people asking the wrong questions without any knowledge of anything. It's a job, not a fucking vacation. They are being paid (by someone) to answer the stupid ass questions that stupid ass people ask. Most people don't know where to start or the correct person to start asking questions with. Google doesn't solve every problem or answer every question. People are stupid, get that into your mind & you will be happier because of it. You work in finance. It's not the checkout line at Target, not everyone gets it as well as you. Not everyone knows where to start, but that's the beauty of money, you pay someone to help you.
And no, I've never had a bad experience with people in finance.
TravisotCosmos
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Chitown_Badger said...
If every person asks the wrong questions when they come in, it seems like it could be easily remedied by handing people a form that requests the necessary (easily supplied) information (assuming they don't want to have a discussion with the person). Seems pretty straight forward to me.
TravisotCosmos
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The Only Colors said...
That happens to every profession. Every profession can complain about the wrong people asking the wrong questions without any knowledge of anything. It's a job, not a fucking vacation. They are being paid (by someone) to answer the stupid ass questions that stupid ass people ask. Most people don't know where to start or the correct person to start asking questions with. Google doesn't solve every problem or answer every question. People are stupid, get that into your mind & you will be happier because of it. You work in finance. It's not the checkout line at Target, not everyone gets it as well as you. Not everyone knows where to start, but that's the beauty of money, you pay someone to help you.
And no, I've never had a bad experience with people in finance.
Tiger v Gorilla
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Tiger v Gorilla
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Refinancing a house