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Sep 5, 2019
5:15
:35
pm
Idahofallsblue
All-American
I just got a 15 year fixed at 2.99% today. Now, that doesn't answer your
question directly but it does point to the possibilities if you're looking for a lower rate.
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Idahofallsblue
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Don Carlton
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Idahofallsblue
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Apr 10, 2011
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Jun 8, 2021
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Messages
Author
Time
POLL: At today's 30 year mortgage rates (non jumbo), What's the lowest rate you should refinance today?
Cougarclaw
9/5/19 5:03pm
Depends on my current rate.
Cougarrr
9/5/19 5:04pm
if your current rate was any of the poll options, which is the lowest one
Cougarclaw
9/5/19 5:07pm
I think you mean what is the highest rate, not lowest
Hinta
9/5/19 5:07pm
I think he means the lowest rate at which you would refi.
Coach's Dad
9/5/19 5:13pm
I have no idea what he’s trying to ask.
kotacoug
9/5/19 5:15pm
It would make no sense to refi at 2%, but it's a no brainer at 5%. What's the
Coach's Dad
9/5/19 5:16pm
Depends on from what rate TO what rate. Need two values
kotacoug
9/5/19 5:18pm
The TO rate is the market rate (which he didn't give) and the FROM rate is the
Coach's Dad
9/5/19 5:24pm
Depends on how long a person is going to keep the house/loan
Cougrrrs Roll
9/5/19 6:01pm
how about this. If you had a house with each of the polled mortgage rates
Cougarclaw
9/5/19 6:25pm
I just got a 15 year fixed at 2.99% today. Now, that doesn't answer your
Idahofallsblue
9/5/19 5:15pm
Where did you go for that and what were your associated fees?
CougaRR4L
9/5/19 5:35pm
DL evans bank in Idaho Falls
Idahofallsblue
9/5/19 5:38pm
I got a 10 year a few years back at 2.87%... 0 associated fees or closing costs
bluecougar1985
9/5/19 5:58pm
that's so fricking awesome. This will be my first 15 year loan. I'm excited
Idahofallsblue
9/5/19 6:03pm
Exactly. I live in Idaho Falls as well, I went through ICCU. For 15’s they look
bluecougar1985
9/5/19 6:18pm
Actually, they are quoting 2.875, but fees make a big difference. They are 3%
bluecougar1985
9/5/19 6:20pm
they waive all the closing costs? kinda crazy.
Idahofallsblue
9/5/19 6:23pm
Yes, but only on 12 years or less IIRC. It’s called their freedom loan.
bluecougar1985
9/5/19 6:32pm
I was looking for a builder a few months ago. You guys are too busy.
Idahofallsblue
9/5/19 9:32pm
missing variables are months until next move and cost to refinance
PaxDog
9/5/19 5:15pm
Are you essentially asking what interest rate reduction would make you want to immediately refinance?
slappy
9/5/19 5:16pm
yes.
Cougarclaw
9/5/19 6:27pm
Today's rates
Cougrrrs Roll
9/5/19 5:48pm
Highest. I'm a few years from being paid off. The fees get to be too much when
fbguru
9/5/19 6:50pm
Closing costs are too high on a smaller loan
Cougrrrs Roll
9/5/19 7:55pm
Yep. 20 years left on the loan. 2 years left on the payment schedule
fbguru
9/5/19 8:11pm
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