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Old 05-11-2008, 09:23 PM
 
65 posts, read 240,112 times
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Which local or national banks have the best rates now? Looking for 30 year fixed in that new conforming range.

Thanks!
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Old 05-11-2008, 10:54 PM
 
Location: Nashville, TN
2,866 posts, read 8,004,498 times
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I don't know if they have the best rates, but Carol Heller at Wachovia will find you the Best Rate possible, with excellent service.
She did my Mortgage .

Diane G
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Old 05-12-2008, 06:33 AM
 
Location: Cranford NJ
1,033 posts, read 3,317,815 times
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Check out Investor's Savings Bank. They are very conservative and offer great rates.
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Old 05-12-2008, 06:40 AM
 
Location: High Bridge
2,736 posts, read 8,273,255 times
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Just a few quick tips...

Don't base your mortgage on rates alone
Points aren't necessarily a bad thing
Mortgage Insurance and other fees can add up very quickly, examine no MI options (and be careful with those too)

Friends have had good rates at Chase
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Old 05-12-2008, 07:41 AM
 
687 posts, read 2,826,340 times
Reputation: 142
Quote:
Originally Posted by newmom2007 View Post
Which local or national banks have the best rates now? Looking for 30 year fixed in that new conforming range.

Thanks!
Are you talking about the conforming loans that would have previously been Jumbos? If so, the points and fees banks are tacking on are absolutely crazy, and based on what we've experienced and heard from associates at our bank, very few people are benefiting... We've been told the sweeping majority of the 417k+ crowd is better off sticking with the Jumbo, and it made sense after we crunched the numbers.

Incidentally, we're with Chase, but we're not able to shop around much because of dh's job.
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