Considering buying a house
What did you use to secure your mortgage loan for your house? Any comments about specifics including the institution, rates, ease of use, payments, length of term, etc. will be really helpful. thanks in advance TC: $250k
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Expedia Group roto Feb 23, 2020
Check Provident funding...but of course shop around. I have never seen under 3% for 30 yr fixed unless you are paying a ton of points, though I have never gotten "relationship pricing". I like minimizing costs in case rates keep falling and i want to refinance again.
Whoever offers the best rate and closing credit. Be agnostic and consider starting with costco. If you have the ability to establish a relationship discount you will need to go with a bank or broker. Rates are incredibly flat so lock a 30 year fixed for 2.5 to 3.5% and be done with it. Good luck!
I have been wondering. How did costco’ offer look compared to elsewhere
It's not one size fits all, Costco is just a broker so will bring you several offers which will help you get a baseline. Rates are highly dependent on you; your credit score and history, the type of loan, your level or risk, your income/net worth etc. Rates change often so the best lender last month is unlikely the best this month. Hence the recommendation to shop around and take the best offer.