We bought in November, just finished a refinance.

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May 23, 2019
11:26:16pm

The Count Walk-on

Rate went from over 5% down to 4% with $1800 in lender credits. It was a no brainer for us. We are in California.

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The Count

Bio page: The Count
Joined: Apr 13, 2011
Last login: May 6, 2024
Total posts: 392 (1 FO)

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Messages

Author

Time

Can you refinance at any time? We bought in December, right as interest rates

ballen

5/23/19 3:12pm

Yes

mulletino

5/23/19 3:15pm

You will have to pay closing costs. Make sure it makes sense from a savings

Ojiisan

5/23/19 3:19pm

But do you Know anyone that can do it?

fattycoug

5/23/19 3:38pm

Maybe!

mulletino

5/23/19 3:39pm

Yes. Depending on your loan, you may have a prepayment penalty. I would guess

gwalker

5/23/19 3:19pm

We don’t. I’m just worried about paying closing costs again.

ballen

5/23/19 6:33pm

It almost assuredly will save you a ton of money, even with rolling costs into

RdF3

5/23/19 3:21pm

What were you at and what do you think you could get?

itsuptoyou

5/23/19 3:35pm

Similar, though I’ve seen rates under 4 now

ballen

5/23/19 6:33pm

I have heard that unless it is at least a full point lower you don't really make

cougarfan87

5/23/19 3:51pm

We bought in November, just finished a refinance.

The Count

5/23/19 11:26pm

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