Total fees (including lender fees, closing costs, title, etc.): 3k SFH refinance from 3.99 to 2.875 House location: Seattle area Loan amount: 560k Is it good? Can I get lower? If yes, how can I negotiate? (This was the lowest offer I've got out of like 10 lenders)
Decent. Can do better
How?
If you have cash that you can deposit in account, Wells Fargo and other banks would give you discounts. Could go down to 2.65
Which lender? What is loan to value?
Farmers bank
Never heard of em
Take it. Though I have my doubts that you are getting 30 year fixed so low. Read the fine print. It seems too good to be true because the national average is 3.87% https://www.google.com/amp/s/www.bankrate.com/refinancing/rates/refinance-rates-for-monday-march-30-2020/amp/
They sent me the breakdown (details), monthly payments and everything. It's for 30 years fixed.
Congrats. Which lender?
Which lender
Which lender? It's more like 15 year fixed
What is loan to value ratio?
Try to get a 15year with lower rate
Solid. Tough to do better
Very good rate.