what rate did u get with what bank?
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We did and got 3.5% Wells Fargo. Not the best rate for sure, since we are high risk clients, but I’m happy.
What’s a low rate now? If you’ve got near perfect credit.
Without points most likely around 3.5-3.6
3.5 even now? I heard BoA is giving around 3.2 rates
With points you can get down to the 3.1 range. I'm just giving what I imagine is the base rate
Isn't no points better? Currently on 7/1 ARM @3.85. Looking to refi now, what should be my strategy
2.675% , no closing costs, 7/1 BoA, with Apple employee discount.
Does it matter which branch
Yes, citi is currently beating everyone.
What rate did you get?
Rates vary heavily so not helpful to compare. Citi also has very generous relationship discounts. Should be in the low 3s for 30 year jumbo and below 3 after relationship.