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I plan to buy a house for 1.5m in the east SJ area. The same house was 1.65 two months ago. The mortgage offer is on 7/6 for 4.8% from walls Fargo, BofA, Citibank etc. One agent said 3.79 30 yr fixed but didn't disclose the lender just said some local bank and will disclose once writing the offer. Anything to watch out for? Any recent home owners/agents/bankers here who can give tips on shopping for rates. TC:~400 post stock crash.
Rates generally come in as increments of .125%. So 3.79% doesnt make sense. Doubtful that its that low unless you're buying points for a 30 year
3.79 sounds suss
3.79 will be first republic bank and they ask for 10% deposit other than 20% down.. they never give details of down payment
Same house will be 1.35 in next 2 months
30 year mortgage is currently going close to 7%. Who the hell is giving 4%. It sounds sus.
Exactly!
Take this bs post down, wtf? I just got prequal for 7.2% and you’re on low 3-4’s? Lmfaoo I hate this app
Prequal is not final rate.. ask your loan officer directly 7/6 arm leading banks are giving this(as of today) as long as you are a premier customer.
This is my third house I should know how this works by now
I call bs on 30 year fixed rate
Reference: property in Sunnyvale with picture of 3.79 1060 Duane Ct
4.8% ? Wow that's a nice rate you got there.