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Old 12-02-2008, 02:40 PM
 
Location: New York, Westchester
506 posts, read 2,118,056 times
Reputation: 235

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I just got a great deal.............called a couple of banks first thing this morning got [ yeesterday i got 5.5] 5 3/8 than got a call back from hsbc girl gave me 5 1/8 if my score is over 740 which it is. So i called Chase asked them { i have my mortgage with them] what the best rate was and they told me 5 3/8 . i then told him i was taking my mortgage and good credit to wells fargo he then told me that if i would fax him my gfe from wells fargo he would give me the 4.875 withi free float down............this conversation took all of 2 mins..........if you have good credit now is a great time.......good luck to all
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Old 12-02-2008, 02:50 PM
 
3,578 posts, read 6,313,224 times
Reputation: 1432
Was this jumbo or non-jumbo re-finance loan? How much equity do you have in the home? These details matter.
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Old 12-02-2008, 02:51 PM
 
Location: New York, Westchester
506 posts, read 2,118,056 times
Reputation: 235
Default loan amount was 350k

conforming......
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Old 12-02-2008, 07:53 PM
 
Location: Charlotte, North Carolina
5,137 posts, read 15,664,477 times
Reputation: 1008
the lowest i have seen is 5.125 paying 1 point.

I hope you didnt get played...

Quote:
Originally Posted by westchester View Post
conforming......
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Old 12-02-2008, 07:59 PM
 
Location: Two Rivers, Wisconsin
12,716 posts, read 12,494,005 times
Reputation: 12810
I signed papers for 5.375 today, haven't seen anything in the 4's or close to 5.0.
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Old 12-02-2008, 08:12 PM
 
Location: New York, Westchester
506 posts, read 2,118,056 times
Reputation: 235
Default call hsbc tommorow in ny

and tell them you have over 740 credit, and ask them what their rate is 5 1/8..... i have the gfe...........and i have already signed up with chase
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Old 12-02-2008, 08:14 PM
 
Location: Charlotte, North Carolina
5,137 posts, read 15,664,477 times
Reputation: 1008
what are you paying for the 4.875% rate?


Quote:
Originally Posted by westchester View Post
and tell them you have over 740 credit, and ask them what their rate is 5 1/8..... i have the gfe...........and i have already signed up with chase
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Old 12-02-2008, 09:26 PM
 
Location: Chandler
191 posts, read 565,462 times
Reputation: 63
Awesome! Good for you. That is a great rate.
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Old 12-02-2008, 10:12 PM
 
Location: Boca Raton, FL
5,776 posts, read 9,401,839 times
Reputation: 7709
Smile Rates

I gave someone 5.00% today - 30 year - yes, the score was good - over 740.

I am with Chase also - 4.875% from July 2003.
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Old 12-02-2008, 10:52 PM
 
Location: Gainesville, VA
1,261 posts, read 5,210,754 times
Reputation: 727
Equity in the house?
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