Author Topic: How low can we go? 30 yr fixed at 3.75% with no fees...  (Read 432915 times)

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Offline eyephone

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1965 on: August 08, 2019, 02:29:20 PM »
I think the owner of Diamond Jamboree is not married.

I think she's a doctor and almost 70 years old. DJ is like her side gig.

How do you know?

Offline gpquest

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1966 on: August 08, 2019, 02:55:42 PM »
Why do people say we will become a Japan 2.0?

The scale/economy/influence/etc just do not compare.

We let in the most immigrants from around the world by far. We are not like Japan. Heck, Europe is a better bet than Japan will ever be if you are an investor.

Offline Mety

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1967 on: August 08, 2019, 03:29:51 PM »
I think the owner of Diamond Jamboree is not married.

I think she's a doctor and almost 70 years old. DJ is like her side gig.

How do you know?

Google is your new best friend.

Offline eyephone

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1968 on: August 08, 2019, 03:39:21 PM »
I think the owner of Diamond Jamboree is not married.

I think she's a doctor and almost 70 years old. DJ is like her side gig.

How do you know?

Google is your new best friend.

Oh, I thought you got the inside connection.


Offline Mety

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1969 on: August 08, 2019, 03:40:44 PM »
I think the owner of Diamond Jamboree is not married.

I think she's a doctor and almost 70 years old. DJ is like her side gig.

How do you know?

Google is your new best friend.

Oh, I thought you got the inside connection.

I ain’t no YellowFever, bruh.

Offline eyephone

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1970 on: August 08, 2019, 03:53:30 PM »
I think the owner of Diamond Jamboree is not married.

I think she's a doctor and almost 70 years old. DJ is like her side gig.

How do you know?

Google is your new best friend.

Oh, I thought you got the inside connection.

I ain’t no YellowFever, bruh.

It’s all about networking. Brah :)

Offline best_potsticker_in_town

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1971 on: August 08, 2019, 04:12:53 PM »
Considering this is a quote for an attached condo how does 3.75 with about 2k back in rebate sound?

10% down, high credit scores.

Seems about since you're paying a slight premium for condo mortgage as well as LTV of 90%. Overall, rate shopping with multiple lenders will let you know if your quote is good.

Offline TCT

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1972 on: August 08, 2019, 04:28:09 PM »
Considering this is a quote for an attached condo how does 3.75 with about 2k back in rebate sound?

10% down, high credit scores.

Seems about since you're paying a slight premium for condo mortgage as well as LTV of 90%. Overall, rate shopping with multiple lenders will let you know if your quote is good.

This is the best we’ve been offered for a condo, 700-750k 10% down. Most charge a significant premium for condo vs detached or require 20% down. Just curious if this is a good rate at the moment for a condo.

Offline best_potsticker_in_town

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1973 on: August 08, 2019, 04:38:09 PM »
Considering this is a quote for an attached condo how does 3.75 with about 2k back in rebate sound?

10% down, high credit scores.

Seems about since you're paying a slight premium for condo mortgage as well as LTV of 90%. Overall, rate shopping with multiple lenders will let you know if your quote is good.

This is the best we’ve been offered for a condo, 700-750k 10% down. Most charge a significant premium for condo vs detached or require 20% down. Just curious if this is a good rate at the moment for a condo.

In your situation, I think anything under 4% is great. At this point, you're playing with house money.

Offline eyephone

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1974 on: August 08, 2019, 04:43:01 PM »
Considering this is a quote for an attached condo how does 3.75 with about 2k back in rebate sound?

10% down, high credit scores.

Seems about since you're paying a slight premium for condo mortgage as well as LTV of 90%. Overall, rate shopping with multiple lenders will let you know if your quote is good.

This is the best we’ve been offered for a condo, 700-750k 10% down. Most charge a significant premium for condo vs detached or require 20% down. Just curious if this is a good rate at the moment for a condo.

Just do it.

Offline Mety

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1975 on: August 13, 2019, 03:30:37 PM »
Considering this is a quote for an attached condo how does 3.75 with about 2k back in rebate sound?

10% down, high credit scores.

Sounds pretty good. You can always refi if the rates do get much lower in a future so if you're approved and really like the home, then go for it. I know you're getting a deal you want from the builder lender, but I still would recommend resales from SG, EW or WD if possible.

Offline eyephone

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1976 on: August 13, 2019, 04:41:02 PM »
You know how it goes. Sometimes if you wait, the deal is gone.

Offline Lallo

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1977 on: August 15, 2019, 10:45:17 AM »
My banks rates just dropped to 3.5% for refinance with 1 point.

Offline Mety

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1978 on: August 15, 2019, 11:16:10 AM »
My banks rates just dropped to 3.5% for refinance with 1 point.

0 or - points would be better IMHO.

Offline irvinehomeowner

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #1979 on: August 15, 2019, 11:29:08 AM »
I think with "get the cans and the fans"... "pay no points" is another TI meme.
Once you go 3-car garage... your junk can never go back.
3CWG: 3-Car Wide Garage
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www.irvinerealtorsite.com
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