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| Off Topic Off Topic - General non-Corvette related discussion. |
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08-16-2015, 2:45pm
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Barn Stall Owner #2112
Fantasy Football Champ '14,'16,'20 Bantayan Kids '13 
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Mortgage Shopping
15 year fixed is what I want
So far from my online search, I've fornd: NBT Bank 3.125% $458 closing costs no points Sebonic Financial 3.125% $458 closing costs no points Wells Fargo 3.5% $2205 closing costs .65 points BofA 3.625% $1700 closing costs .65 points Capital One 3,125% $8700 closing costs no points Why shouldn't I go with a no name bank here? The first two have the cheapest closing costs and no points. Whay the huge closing costs with Capital One? There is a huge disparity in these offerings and I have to sort it out in the next few days, as we accepted an offer on our house and need a new mortgage on the town house that we bought. Any advice out there? btw, I was just kidding about Thomas... 
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08-16-2015, 2:51pm
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Sparkles Flambeaux
Barn Stall Owner #4 Barn Raising I,II NCM Supporter '13,'14,'15,'16,'17,'21 Bantayan Kids '13,'14,'15,'17
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got a 2.99%, 15 year from quicken a few months ago. i have a $750 off coupon for friend/family. writing says off your closing costs.
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08-16-2015, 2:55pm
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Barn Stall Owner #2112
Fantasy Football Champ '14,'16,'20 Bantayan Kids '13
Join Date: Jan 2011
Location: WHERE I LAY MY HEAD IS HOME - REHO BEACH DELAWARE
Posts: 42,419
Thanks: 6,373
Thanked 10,607 Times in 6,383 Posts
Gameroom Barn Bucks: $3043611
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08-16-2015, 3:05pm
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A Real Barner
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I wouldn't worry about who the company is. Odds are that soon they will sell your mortgage to another company anyway. I think in ten years we are on our third or fourth company.
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08-16-2015, 3:07pm
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Bamboo Boy
Bantayan Kids '13,'14,15
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Show her your sock
 Gotta be worth a few points off.. :Island14: |
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08-16-2015, 3:25pm
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#6 | |||||||
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Sparkles Flambeaux
Barn Stall Owner #4 Barn Raising I,II NCM Supporter '13,'14,'15,'16,'17,'21 Bantayan Kids '13,'14,'15,'17
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Location: Santa Fe, NM
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Thanked 33,073 Times in 14,175 Posts
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08-16-2015, 4:29pm
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#7 | |||||||
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Barn Stall Owner #2112
Fantasy Football Champ '14,'16,'20 Bantayan Kids '13
Join Date: Jan 2011
Location: WHERE I LAY MY HEAD IS HOME - REHO BEACH DELAWARE
Posts: 42,419
Thanks: 6,373
Thanked 10,607 Times in 6,383 Posts
Gameroom Barn Bucks: $3043611
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08-16-2015, 4:37pm
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#8 | ||||||
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Sparkles Flambeaux
Barn Stall Owner #4 Barn Raising I,II NCM Supporter '13,'14,'15,'16,'17,'21 Bantayan Kids '13,'14,'15,'17
Join Date: Jan 2011
Location: Santa Fe, NM
Posts: 61,489
Thanks: 11,780
Thanked 33,073 Times in 14,175 Posts
Gameroom Barn Bucks: $17500122
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origination charges
appraisal credit report tax service flood cert interest until first payment title service and title insurance settlement/closing fee binder fee notary misc. |
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08-16-2015, 4:38pm
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A Real Barner
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mine is a 15 year with 4.5 % interest
Chase bank |
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08-17-2015, 5:17am
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Vette Barn Regular
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Do you belong to a credit union?
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08-17-2015, 5:31am
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Barn Stall Owner #122
NCM Supporter '11,'13 Bantayan Kids '13,'14,'17
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08-17-2015, 3:01pm
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Barn Stall Owner #92
Bantayan Kids '13,'15
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You aren't getting the whole picture with some of those.
The first one looks suspect. Average rate I am seeing with my lenders today is 3.125%. Be careful with no-name internet lenders. There are people out there who work for free, and they should. It really depends what you are looking for. Do you want a mortgage professional or an order taker? I would ask your realtor for a recommendation to someone that knows what they are doing. |
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