Who has the lowest fixed mortgage rates currently?

[chrisheltra]

I'm going to do some calling around tomorrow to get per approved for a loan. Just trying to figure out who to call.

 

[Kenneth]

Being the Government stopped putting money in the housing market, rates have been on the rise for the last 3-4 weeks.

Good luck, but last I looked at it (a couple weeks ago) rates were 4.2-4.5%.
That was with Chase bank.

 

[SID297]

Can't tell you the best place to get a loan, but i can tell you that rates are near-as-makes-no-difference a full percentage point higher than when I refi'ed in April.

 

[TorchMach]

You should have done this two months ago. Their at about 5-5.25% right now.

To answer your question the best I've seen is from Wells Fargo right now, a client of mine just got 4.50%.

 

[ViciousJay]

I got 2.73 a year ago

 

[GM Nitemare]

3.25% here for 5 years.

 

[rotor_powerd]

I got 2.73 a year ago

15 year?

Seems like the lowest that the 30 year got was 3.25.... That's what we got back in November.

 

[Mach1USMC]

15 year?

Seems like the lowest that the 30 year got was 3.25.... That's what we got back in November.

Buddy of mine just got 3% through NavyFed.... Or so he claims.

 

[04svtsnke]

Truliant offered us 3.625 a year ago. It's not 3.625 for 15 year/fixed and 4 for 30 year/fixed. 2-3 months ago it was .75 percentage points lower for each respectively.

 

[03cobra#694]

Got 2.99% fixed for 15 yrs about 5 months ago, this was a refi to drop our rates.

 

[jrandy]

15 year?

Seems like the lowest that the 30 year got was 3.25.... That's what we got back in November.

That is what I locked in at in May of this year.

 

[Iman01]

0% locked in May of this year.

 

[Fuerza]

Wish I could refin, but our house loan amount and value are almost equal. Add in closing costs to refin and we would be losing money. 5% and we'll be at that rate till we sell.

 

[mjs1012]

I work for a mortgage company and today our rates are: 4.125 for 30yr fixed, 3.25 for 15 fixed and those are the more popular. If you want some more information shoot me a pm and Ill see what I can help you with.

Rates this time of year go up just like gas prices. In the fall they will be in the mid-high 3s for a 30 yr fixed again.

 

[ViciousJay]

15 year?

Seems like the lowest that the 30 year got was 3.25.... That's what we got back in November.

nope i got a 30 year

 

[soccerman002]

We refinanced a couple years back to 4.00%, down from the 5.25% we were at when we first purchased back in '07.

 

[03cobra#2]

Yeah, rates have been steadily going up the last couple weeks. I was lucky and locked in at %4.5 for 30 years fixed. That includes a $4,500 lender credit to cover closing costs, and pre-paid escrow costs. The beauty is I will even get a check back for the money have sitting in escrow now. Gotta love the FHA streamline refinance (that is if you qualify).

 

[xtremeskime21]

Here is what I found on Wells Fargo.


as of 07/23/2013 09:00 PM Eastern
Product Interest Rate APR
Conforming 1and FHA Loans
30-Year Fixed 4.500% 4.673%
30-Year Fixed FHA 4.250% 5.433%
15-Year Fixed 3.500% 3.795%
5-Year ARM 3.250% 3.164%
5-Year ARM FHA 3.500% 3.519%
Larger Loan Amounts in Eligible Areas – Conforming and FHA.1
30-Year Fixed 4.500% 4.629%
30-Year Fixed FHA 4.500% 5.660%
5-Year ARM 3.500% 3.212%
Jumbo1 Loans – Amounts that exceed conforming loan limits1
30-Year Fixed 4.250% 4.363%
5-Year ARM 2.875% 2.979%