Author Topic: How low can we go? 30 yr fixed at 3.75% with no fees...  (Read 708301 times)

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Offline aquabliss

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3045 on: July 20, 2021, 11:05:13 AM »
If your loan is under $548k, interactive mortgage has a 15yr fixed for 1.957% APR.  No cost, No Fee.

Offline nguyener

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3046 on: July 20, 2021, 11:41:56 AM »
Vision Quest Lending Rates

7/20/21
Conventional Loan Program*

30 Year Fixed @ 2.625% (2.625% APR) with 0 Points or Lender Fees

20 Year Fixed @ 2.375% (2.375% APR) with 0 Points or Lender Fees

15 Year Fixed @ 2.00% (2.00% APR) with 0 Points or Lender Fees

VA 30 Year Fixed @ 2.25% (2.25% APR) with 0 points or Lender Fees

*Depending on County

Apply online:

http://visionquestlending.com/free_quote/

BBB A+

Tony Nguyen  | NMLS#93776
Vision Quest Lending  | 2860 Michelle Drive, Suite 140, Irvine, CA 92606
Direct 714-464-8042  | 877-318-0992 x6502  | Fax 866-394-9352                                                     
Email | tony@vqlending.com                                                                     
Website  |  www.visionquestlending.com

Offline aquabliss

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3047 on: July 21, 2021, 10:01:18 PM »
I heard on the radio tonight that owning.com has 15year fixed 1.75% rate and APR.  Don’t see it on the website but if anyone calls let me know what they say.

Offline hurijo

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3048 on: July 22, 2021, 08:22:44 AM »
I heard on the radio tonight that owning.com has 15year fixed 1.75% rate and APR.  Don’t see it on the website but if anyone calls let me know what they say.

Website shows 1.5% (15yr) now.

Offline aquabliss

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3049 on: July 22, 2021, 10:20:08 AM »
I heard on the radio tonight that owning.com has 15year fixed 1.75% rate and APR.  Don’t see it on the website but if anyone calls let me know what they say.

Website shows 1.5% (15yr) now.

Ya but APR is still 1.915%.  What they were advertising was 1.75% Rate + APR.  Haven't seen that posted yet.

Offline Irvinehomeseeker

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3050 on: July 22, 2021, 04:09:03 PM »
I got a call the other day from owning to refi my existing 15 year to a new 15 year at 1.99 with no out pocket costs. Just have not had time to call them back to lock
This morning I called Owning about no cost 15 year rate and 1.99 was what I was told.
That's only .135 less than my current rate.
I'm debating whether I should wait for lower rate or just go for it.

Did anyone get lower than 2% last year at no cost when rates were extremely low?  I can't remember if I saw any, I'd jump on this rate and if it goes lower just refi again.
I got it down to 2.25% on high balance loan after multiple refis last year, but now i am selling......

Offline Cares

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3051 on: July 22, 2021, 06:21:27 PM »
I did a few no cost < 2% 15 year loans only. There was probably a less than 2 week window where it was available for me.

Offline qwerty

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3052 on: July 22, 2021, 07:22:50 PM »
I heard on the radio tonight that owning.com has 15year fixed 1.75% rate and APR.  Don’t see it on the website but if anyone calls let me know what they say.

Owning called again and I asked about this and they said it was for purchases

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Offline qwerty

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3053 on: July 26, 2021, 08:01:46 PM »
Locked the 15 year 1.99% rate/apr with owning. They also waived the appraisal (same as last time).  I think this will be my last refi but we will see.

Offline Cornflakes

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3054 on: July 26, 2021, 08:05:50 PM »
Locked the 15 year 1.99% rate/apr with owning. They also waived the appraisal (same as last time).

Congrats! DO you feel comfy sharing loan amount, LTV, estimated closing cost etc.?

Offline Cares

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3055 on: July 26, 2021, 08:24:03 PM »
Locked the 15 year 1.99% rate/apr with owning. They also waived the appraisal (same as last time).  I think this will be my last refi but we will see.

PM me your details if you want. I'm seeing lower no point no fee rates for 15 years for certain loans.

Offline qwerty

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3056 on: July 26, 2021, 08:57:33 PM »
Locked the 15 year 1.99% rate/apr with owning. They also waived the appraisal (same as last time).

Congrats! DO you feel comfy sharing loan amount, LTV, estimated closing cost etc.?

Loan is in the mid 400s. LTV is about 33%. No points no closing costs

Offline irvinehomeowner

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3057 on: July 26, 2021, 10:56:02 PM »
Loan is in the mid 400s. LTV is about 33%. No points no closing costs

Grrr. Should have bought when qwerty bought. :)
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Offline Cares

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3058 on: July 27, 2021, 08:12:20 AM »
Loan is in the mid 400s. LTV is about 33%. No points no closing costs

Grrr. Should have bought when qwerty bought. :)

Or he's just an oil prince and wanted to get a small loan for fun :)

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Offline aquabliss

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Re: How low can we go? 30 yr fixed at 3.75% with no fees...
« Reply #3059 on: July 27, 2021, 08:37:15 AM »
Loan is in the mid 400s. LTV is about 33%. No points no closing costs

Grrr. Should have bought when qwerty bought. :)

Or he's just an oil prince and wanted to get a small loan for fun :)

https://en.m.wikipedia.org/wiki/Prince_Imperial_of_Mexico

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