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Thread: Mortgage refi

  1. #13

    Join Date
    Jun 2006
    Location
    Wilmington,NC
    Posts
    821

    Default Re: Mortgage refi

    wish i could get that rate. i just did a home equity this morning at 15 yrs and 4.25% , which may be adjusted in 3 yrs. no closing and at anytime i could convert to a conventional loan if things get too high in regards to arm rate. this was a 2nd home down at wilmington,nc 15 minutes from beach and same to the city. looking toward retirement in 2.5 yrs.2.375% dammmmmmmm gurl you got it like that! keep on keepin on....

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  3. #14

    Default Re: Mortgage refi

    I refi'd a few years ago at 15/yr @ 4 7/8%. I thought they couldn't go any lower.

    The interest is so low that I don't even itemize on my taxes anymore.
    Tom
    Market Commentary | My Blog | TSP Talk Plus | |

    I am not a Registered Investment Advisor and this is not investment advice. Please do your own due diligence.

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  5. #15

    Default Re: Mortgage refi

    What's the deal with the HARP program. It was on cnbc this morning. Apparently, there are reduced fees? Not sure.
    100 G
    RSI - Relative Strength Indicator DMA - day moving average

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  7. #16

    Join Date
    Apr 2008
    Location
    Key West FL USA
    Posts
    184

    Default Re: Mortgage refi

    In 2008 I went back to a 30yr fixed at 5.7% after being on an ARM for about 5 years to help fund my kid's college. I am now looking into a 15yr fixed at 3.7%. They want one point and will charge $1k. The payment would increase by about $250. But I also just got a break on my windstorm insurance worth $140/mo so I am really attracted to this.

    I will decide in Feb 12 after I get my annual escrow statement. Rates are at their low for the previous 12 months, it looks like, so I can hope for 3.5% if they continue to slide. The home would have to appraise, though, to abate PMI.

    I got these numbers from PHH who owns my current note.

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