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Feb 28, 2020
2:18
:47
pm
MikeDitka'sStache
Starter
I'm sure my wife will understand me taking financial advice from someone on CB
named Mulletino when I tell her we are refinancing
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MikeDitka'sStache
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ZacSeljaas'Stache
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MikeDitka'sStache
Joined
Jul 24, 2017
Last login
Jun 2, 2020
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Messages
Author
Time
Rates are 3.125% to 3.375% fixed for 30 years. Refinance, people!
mulletino
vergüenza ajena
2/28/20 2:17pm
I'm sure my wife will understand me taking financial advice from someone on CB
MikeDitka'sStache
2/28/20 2:18pm
He's legit. Just keep something in mind: There's no such thing as a "no cost"
El Fuego
2/28/20 2:20pm
You'd be one of dozens who have followed people's recommendations to listen to him and been thankful for it.
cougfanblue
2/28/20 2:25pm
ha ha. So true. But hundreds can vouch for me. Or use your past guy. Just a PSA more than anything.
mulletino
2/28/20 2:29pm
I've used him 5 times. He's great. Even hooked me up with a few
jwf
2/28/20 2:48pm
He’s done well for me for 5 years now.
breakingblue
2/28/20 6:07pm
Hear hear! Crazy good deals in the mortgage marketplace right now.
monteburns
2/28/20 2:18pm
What are you seeing for 15 year? Seems like the rates haven't moved much as I would have expected given the
cheezedawg
2/28/20 2:19pm
Just saw city creek 15 yr fixed at 2.75%
TempeCoug
2/28/20 2:20pm
How many points? What was the APR?
cheezedawg
2/28/20 2:22pm
Just go here and no I don’t work for them.
TempeCoug
2/28/20 2:24pm
I already went there and they wanted my contact info for a rate quote. so I bailed. Screw that.
cheezedawg
2/28/20 2:24pm
Oh- now I see the table at the bottom. Thats 2.951% APR, so quite a bit higher than what I was looking at
cheezedawg
2/28/20 2:25pm
High 2s with costs. 3% flat with no costs.
mulletino
2/28/20 2:30pm
Dang, I just found this: 2.375% with .7 points, APR 2.52% for a 15 year fixed
cheezedawg
2/28/20 2:46pm
Crazy. Yeah, I never quote with points.
mulletino
2/28/20 2:50pm
Here is there quote for no points:
cheezedawg
2/28/20 2:52pm
Crazy. Yeah, everyone needs to lock in lower debt payments.
mulletino
2/28/20 3:03pm
I emailed the place- my bet is that these rates are vapor
cheezedawg
2/28/20 5:31pm
Sounds clickbaity.
mulletino
2/28/20 5:48pm
But the heinakenvirus
TNT
2/28/20 2:20pm
I just locked 2.75 fixed for 30 yrs. no points!
TheLoanArranger
2/28/20 2:20pm
Are banks as evil as they say?
TNT
2/28/20 2:22pm
Much more so. Imagine if Cruella de Vil and The Brain had a baby
TheLoanArranger
2/28/20 2:29pm
Insane.
mulletino
2/28/20 2:28pm
I have a few rental properties in the high 4 and I‘m interested
Bell of the Ball
2/28/20 2:21pm
Probably high 4s on those.
mulletino
2/28/20 2:28pm
I wish I could lock rates now for a build in the late summer early fall.
Ycrazy
2/28/20 2:27pm
I wouldn't sweat it, rates are projected to stay in this range for the year.
monteburns
2/28/20 2:34pm
What if I'm already at 3.5?
Huge Manatee
2/28/20 2:27pm
Do it anyway on a no fee loan.
mulletino
2/28/20 2:29pm
How would one go about this?
Ojiisan
2/28/20 2:47pm
go to his website
jwf
2/28/20 2:52pm
BM sent.
mulletino
2/28/20 3:04pm
Send me your website please
TempeCoug
2/28/20 3:33pm
BM sent.
mulletino
2/28/20 3:38pm
Send me your website, I know a couple people who need to refi
Cougrrrs Roll
2/28/20 6:52pm
sent
mulletino
2/28/20 7:45pm
I'm at 3.5% 30 year, if it makes sense for me, I'd like more info / your website
ray ray
2/28/20 8:02pm
Cheapest way to refinance? Is Quicken Loans really the cheapest option?
Bluesangue
2/28/20 2:31pm
Not even. We use Quicken Wholesale in my brokerage, and the retail is far more
monteburns
2/28/20 2:33pm
Yep. Quicken retails is garbage. Quicken Wholesale is pretty good.
mulletino
2/28/20 5:05pm
what are rates at for 15?
Nuke
2/28/20 2:31pm
High 2s with fees. 3% with no fees for many.
mulletino
2/28/20 2:34pm
What's the 10 year rate?
El Fuego
2/28/20 2:38pm
BM coming
mulletino
2/28/20 2:39pm
Ugh I just refinanced last week with a 3.5%
cougarnerd
2/28/20 2:41pm
what are the negatives/costs to refinancing?
itsame
2/28/20 2:47pm
I wish I could get the same for my investment properties
jhingman
2/28/20 2:52pm
mid- to high-3s on those. Still great!
mulletino
2/28/20 3:05pm
Must be owner occupied?
ag4cougs
2/28/20 2:55pm
Yes but still great for 2nd homes/INVs.
mulletino
2/28/20 3:05pm
What if I want to borrow Jumbo. Say, 650K? Asking for Superkid.
frontrowcougar
2/28/20 2:57pm
Only slightly higher. Still great.
mulletino
2/28/20 3:05pm
I cannot refinance something I no longer have.
SierraCoug
2/28/20 3:06pm
Do I just BM you for more info?
scootsy
2/28/20 3:08pm
yep! Or contact your lender. Really just a PSA for all. But I'd be happy to look into it for you!
mulletino
2/28/20 3:10pm
RE: Rates are 3.125% to 3.375% fixed for 30 years. Refinance, people!
Philosoraptor
2/28/20 3:20pm
Done yesterday (was in process before rates dropped again)
byujdmba
2/28/20 3:37pm
I'm at 3.5%, how low do they need to go for it to make sense for me to refi?
Gente_Boa
2/28/20 4:17pm
Depends. If it's me and there are no fees, I'd do it with any rate drop. NV license in process!
mulletino
2/28/20 5:04pm
Tagged.
Pro Logic
2/28/20 5:17pm
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