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maymama
my little loves
Member since 8/08 18453 total posts
Name:
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current re-fi rates?
we are currently paying about 4.65 on our 30 year fixed which was closed on in July of 2011.
any ideas what current rates are for 30-year re-fis? Currently with Wells Fargo, excellent credit etc.
Message edited 1/14/2013 12:04:13 PM.
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Posted 1/14/13 12:03 PM  |
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Prudential Douglas Elliman Real Estate
Long Island's Largest Bridal Resource | Long Island Weddings |
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Re: current re-fi rates?
I got a quote last week from my bank for 3.625% (30 yr).
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| Posted 1/14/13 12:21 PM |
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FTM427
LIF Adult
Member since 1/12 1261 total posts
Name:
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Re: current re-fi rates?
Bethpage is 3.5% today for 30 yr fixed. We are thinking about doing this, but its close to 5k in closing costs. I know we'll save it over the life of the loan...just tough to come up with that money now.
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| Posted 1/14/13 1:24 PM |
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Mrs-D-Girl
Love my fur baby
Member since 8/07 5183 total posts
Name:
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Re: current re-fi rates?
I am getting 3.25% - Currently I am at 5% 
This is through a Broker, not the bank.
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| Posted 1/14/13 1:39 PM |
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Kelly9904
Mommy to 2 amazing little boys
Member since 5/05 9306 total posts
Name:
Kelly
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Re: current re-fi rates?
Posted by FTM427
Bethpage is 3.5% today for 30 yr fixed. We are thinking about doing this, but its close to 5k in closing costs. I know we'll save it over the life of the loan...just tough to come up with that money now.
when we refinanced in 2009 with Bethpage, we kept the mortgage value the same and paid about 3500. The quotes they gave us were way off!
Also you can always roll the closing into your mortgage, but changing the value of the mortgage can increase the closing costs.
For a 30yr, I have been seeing 3.375-3.5%
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| Posted 1/14/13 1:41 PM |
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VickiC
Rocking the party
Member since 5/05 4937 total posts
Name:
Vicki
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Re: current re-fi rates?
Posted by FTM427
Bethpage is 3.5% today for 30 yr fixed. We are thinking about doing this, but its close to 5k in closing costs. I know we'll save it over the life of the loan...just tough to come up with that money now.
We rolled our CC into the mortgage. It increased our payment by $7/month I think. We refinanced with BFCU as well this year and are at 3.5%.
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| Posted 1/14/13 1:44 PM |
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JDubs
different, not less
Member since 7/09 13160 total posts
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Re: current re-fi rates?
I would call up Wells and see what they are offering. We refi'd last april (oddly enough right before the rates went super low, go figure). It was kind of a pain because we went with another bank and needed a CEMA. In any case, any bank you choose, the rates are great right now! could kick myself in the butt for not waiting.
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| Posted 1/14/13 2:40 PM |
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MrsM-6-7-08
<3
Member since 8/06 4249 total posts
Name:
Nicole
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Re: current re-fi rates?
Does anyone know what the Re-Fi rates are for a 15 year fixed? or 10 year fixed?
We refinanced a year ago to a 15 year and got a 3.375% rate curious what it is now and if its worth it to get a 10 year possibly since we have 14 years left.
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| Posted 1/14/13 3:20 PM |
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maymama
my little loves
Member since 8/08 18453 total posts
Name:
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Re: current re-fi rates?
thanks. not sure it is worth it for 1 pt or less. We will have to make some calls! 
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| Posted 1/15/13 10:20 AM |
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Lori11514
LIF Infant
Member since 11/10 229 total posts
Name:
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current re-fi rates?
MrsM, I have been hearing 2% for 15 year mortgages
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| Posted 1/15/13 11:57 AM |
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babymakes3
Almost there!
Member since 7/06 7376 total posts
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Re: current re-fi rates?
We got 2.5% for 15 year.
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| Posted 1/15/13 12:38 PM |
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LadyBug1209
Mommy to FOUR little men!
Member since 8/08 9655 total posts
Name:
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Re: current re-fi rates?
My DH is in the business...
We re-fi'd about 6 months ago to 3.25% and dropped down to a 15 year. He said that you can get 3.49% (with no points) on a 30 year now. FM if you'd like his contact info! 
Message edited 1/15/2013 8:08:37 PM.
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| Posted 1/15/13 8:07 PM |
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BeachGal
LIF Adult
Member since 2/10 2827 total posts
Name:
J
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Re: current re-fi rates?
Call and see if Wells is still offering a Three Step Re-Fi. You dont get the lowest rate but it is 100% free. I did it twice but now they are only offering in on loans as of a certain date. Cant remember what the date is though but worth a shot to try. I lowered my rate over 1 point for free a few years ago!
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| Posted 1/15/13 11:35 PM |
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maymama
my little loves
Member since 8/08 18453 total posts
Name:
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Re: current re-fi rates?
Posted by BeachGal
Call and see if Wells is still offering a Three Step Re-Fi. You dont get the lowest rate but it is 100% free. I did it twice but now they are only offering in on loans as of a certain date. Cant remember what the date is though but worth a shot to try. I lowered my rate over 1 point for free a few years ago!
thanks for this info! will do!
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| Posted 1/16/13 10:08 AM |
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BeachGal
LIF Adult
Member since 2/10 2827 total posts
Name:
J
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Re: current re-fi rates?
Posted by maymama
Posted by BeachGal
Call and see if Wells is still offering a Three Step Re-Fi. You dont get the lowest rate but it is 100% free. I did it twice but now they are only offering in on loans as of a certain date. Cant remember what the date is though but worth a shot to try. I lowered my rate over 1 point for free a few years ago!
thanks for this info! will do!
Welcome! Good luck! The only thing is you dont get the current market rate but its free!! And you "close at home". Mail back some paperwork and poof a lower rate!
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| Posted 1/16/13 11:10 PM |
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