What's a good interest rate for home 🏠 loan in US?

Charter yWTI88
Jun 11 40 Comments

I am getting offers between 3.75% to 4% for 30 year

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TOP 40 Comments
  • Oath Atinlay2
    🌲.50%
    Jun 11 7
    • R1 RCM / Consultant GCbk75
      Where do you get this less of an interest rate and what are the deciding factors for that?
      Jun 11
    • Charter yWTI88
      OP
      Did you pay lender fees to get it down?
      Jun 11
    • Oath Atinlay2
      No
      Jun 11
    • Charter yWTI88
      OP
      15 or 30 year?
      Jun 11
    • Oath Atinlay2
      15-fixed
      Jun 11
    • GE / IT PLkx61
      I just signed for a 3.875% on a 30-fixed. Their offer on a 15 was 3.15%, I had the same offer from both Chase and Wells, I also founder Better.com to be competitive too.
      Jun 11
    • Oath Atinlay2
      Mine is not recent, rates were higher
      Jun 11
  • Adobe dots
    Thats 3 (tree) . 50
    Jun 11 4
  • eBay
    seat

    eBay

    BIO
    Why did you click on me 😑
    seatmore
    1.25%
    Jun 11 3
    • Charter yWTI88
      OP
      How come? 😳
      Jun 11
    • most people here are trolls. don't listen to them.
      Jun 11
    • eBay
      seat

      eBay

      BIO
      Why did you click on me 😑
      seatmore
      It’s good because it’s lower than what you were offered? I don’t understand your question β€œHow come?”
      Jun 11
  • GE / IT PLkx61
    I just signed for a 3.875% on a 30-fixed, 10% down. Their offer on a 15 was 3.15%, I had the same offer from both Chase and Wells, I also found Better.com to be competitive too.
    Jun 11 2
    • Symantec GoRams
      Can u DM me your chase agent number
      Jun 11
    • GE / IT PLkx61
      Done buddy.
      Jun 11
  • Dell phAo72
    Just got 3.4% on a refi with a 60% LTV in LA. Through First Republic
    Jun 11 1
    • Dell phAo72
      Should also mention it is an FHA conforming loan. We shopped around a bit, some places like Union Bank were in the 4.2% range. WF was about 3.6 or 3.7%. This is all for 30 yr fixed
      Jun 11
  • Amazon jef556
    3.00% for 7/1 ARM
    Jun 11 0
  • 3.75 is ideal.
    Jun 11 0
  • Qualtrics sanop
    Should I refinance my 4.375% loan?
    Jun 11 5
    • GE / IT PLkx61
      Yes, that’s shitty.
      Jun 11
    • mophie / Ops huh69
      Ya you should be able to shave off at least 0.5%
      Jun 11
    • GE / IT PLkx61
      Well.. to clarify are we talking APR or true interest rate? If your APR is 4.375, between the remortgage costs and factors included in that original APR, I wouldn’t bother.
      Jun 11
    • Qualtrics sanop
      Yeah it's APR. This was a good rate about 9 months ago. It seems like refinance rates are a bit different. I'm not seeing some of the super low rates that people on this thread are posting.
      Jun 11
    • GE / IT PLkx61
      Refinance is roughly .2% higher, honestly 4.375% APR in *most* situations probably equates to a 3.9/4% interest rate. If you refinanced you would probably end up in a similar situation + all associates fees.
      Jun 11
  • Spotify humananana
    Just purchased a condo at a 3.625 rate. When I was shopping around I got a lot of 4-4.25% for 30 yr so I jumped on it asap.
    Jun 11 3
    • Symantec GoRams
      Which bank?
      Jun 11
    • Spotify humananana
      Got it through loandepot
      Jun 11
    • Symantec GoRams
      Whats the APR?
      Jun 11
  • Nvidia bdei51
    Please put your credit scores as well so we can see how much it impacts the rate
    Jun 11 1
    • GE / IT PLkx61
      My credit score was 720 ish, 10% down, 3.875% on a 30 yr fixed
      Jun 11
  • Amazon
    ps.ily

    Amazon

    PRE
    Google
    ps.ilymore
    Keep shopping, also 15 or 30 year, down payment?
    Jun 11 1
    • Charter yWTI88
      OP
      30 year
      Jun 11
  • I am just starting a first time home buyers program called NACA. They offer lower rates. They are the broker and work with big name banks. They are designed to work with low income members and to even out communitys. Upper class vs lower class. There are such thing as priority members non priority members. A prioirty member would be someone who is under the median income lever. But the program is for everything. You can buy down your interest at closing as well. There loans are conventional as well. Almost to good to be true but I am giving it a shot.
    Jun 11 0
  • EPAM Systems / IT kSWK84
    That’s really good rate !
    Jun 11 0

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