U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Real Estate > Mortgages
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 08-14-2013, 12:21 PM
 
Location: New York, Westchester
506 posts, read 2,003,286 times
Reputation: 232

Advertisements

Which banks have you been using and what rates are everyone getting lately ....Cheers
Reply With Quote Quick reply to this message

 
Old 08-14-2013, 12:33 PM
 
Location: New York, Westchester
506 posts, read 2,003,286 times
Reputation: 232
I am looking to purchase a home in NJ. down at the shore.
Reply With Quote Quick reply to this message
 
Old 08-14-2013, 08:05 PM
 
Location: MID ATLANTIC
7,598 posts, read 17,629,190 times
Reputation: 8083
When mortgage loans were cookie cutter, we use to be able to run with that question. Now, everyone is quoted based upon their down payment, credit score, property type and location. You can have two people buying identical homes with the same down payment, yet be quite a bit apart on rate. All loans are custom priced these days.
Reply With Quote Quick reply to this message
 
Old 08-15-2013, 05:12 PM
 
Location: New York, Westchester
506 posts, read 2,003,286 times
Reputation: 232
Default Of Course but.....

Of course I know everyone is different but so are banks , Im just looking for a comparison of what people are getting quoted and what banks are good to work w.... looking for more of a community bank in th central NJ area..... Thanks
Reply With Quote Quick reply to this message
 
Old 08-15-2013, 08:14 PM
 
248 posts, read 519,347 times
Reputation: 181
I got approved for 30yr at 4.5% with ok credit in NJ by NYCB
Reply With Quote Quick reply to this message
 
Old 08-16-2013, 07:06 AM
 
Location: Mount Laurel
4,146 posts, read 8,386,199 times
Reputation: 3409
Not a community bank but I like Penfed credit union. There process can be somewhat slow but they do have good rates.
Reply With Quote Quick reply to this message
 
Old 08-16-2013, 08:34 AM
 
4,480 posts, read 7,942,875 times
Reputation: 6404
Quote:
Originally Posted by westchester View Post
Which banks have you been using and what rates are everyone getting lately
Look at the registry of deeds online. Look at people's mortgage price, rate, terms, which bank they used, etc. It's all public info.
Reply With Quote Quick reply to this message
 
Old 08-16-2013, 08:30 PM
 
18 posts, read 32,237 times
Reputation: 10
I got 4.625% on super-conforming loan with 0 points this morning.
Reply With Quote Quick reply to this message
 
Old 08-16-2013, 09:35 PM
 
Location: New York, Westchester
506 posts, read 2,003,286 times
Reputation: 232
Default thanks still shopping

Thanks everyone for your insight so far , im still shopping it out...does not have to be a community bank, Im just not real familiar w the NJ banks...Im a New york Boy
Reply With Quote Quick reply to this message
 
Old 08-25-2013, 10:22 PM
 
Location: New York, Westchester
506 posts, read 2,003,286 times
Reputation: 232
Default which one to use..

i have been in touch w valley and fulton banks in nj...Which one should i sign w. Any exp w either one thanks
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Real Estate > Mortgages
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2018, Advameg, Inc.

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top