# Mortgage Peeps : Refi soon? **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [December 18, 2008, 5:58am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956 "2008-12-18T05:58:07Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![Viper966](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/viper966/32/7268_2.png) [@Viper966](https://forums.speedlife.net/u/Viper966)\ **Post date:** [December 18, 2008, 12:26pm UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/21 "2008-12-18T12:26:18Z")
> [@93dx--hatch](#): > > can you show me where the refi rate is down to 4.5%??? [www.bankofamerica.com](http://www.bankofamerica.com) quoted me 4.4 with 2.2 down ---
**Author:** ![Viper966](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/viper966/32/7268_2.png) [@Viper966](https://forums.speedlife.net/u/Viper966)\ **Post date:** [December 18, 2008, 12:27pm UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/22 "2008-12-18T12:27:33Z")
> [@theblue](#): > > if you’re going to pay points then it’s not really apples to apples. Kind of like how you didn’t really find a way around PMI, they rolled it in over the entire length of the mortgage via a higher rate. I’m paying PMI but have a lower rate and purchased around the same time as you. > > If you don’t have ~20% equity in the place you’ll probably need PMI or will pay slightly more again. i dont have a higher rate then ANYTHING i could find anywhere else. I closed with BOA @ 5.75 fixed for 30. m&T wanted 6.1 HSBC wanted 6.0 and First Niagara was like at 6.25 all with PMI… ---
**Author:** ![Quattro\_Krant](https://avatars.discourse-cdn.com/v4/letter/q/ac91a4/32.png) [@Quattro\_Krant](https://forums.speedlife.net/u/Quattro_Krant)\ **Post date:** [December 18, 2008, 12:49pm UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/23 "2008-12-18T12:49:14Z")
> [@Eazy716](#): > > ^^if you don’t mind me asking, who was your LO thru HSBC? > > or did it actually go thru the Broker channel? It went through the broker channel. ---
**Author:** ![Quattro\_Krant](https://avatars.discourse-cdn.com/v4/letter/q/ac91a4/32.png) [@Quattro\_Krant](https://forums.speedlife.net/u/Quattro_Krant)\ **Post date:** [December 18, 2008, 12:51pm UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/24 "2008-12-18T12:51:54Z")
> [@chino](#): > > i’m already thru HSBC now and want to keep it that way because i can just transfer funds easily… still waiting to hear back from my guy though ☹ I guess, but I wouldn’t let that hold me to one particular company. ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [December 18, 2008, 12:52pm UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/25 "2008-12-18T12:52:15Z")
we went over this when you were talking about getting the house… you could have had a lower rate from BOA if you had 20% or took PMI / closing costs / didn’t pay any points (if you did). probably .25-.5% BOA is a better deal in the short term, but over the long term a lower rate from the start wins. I got 5.5% (no points, but there were closing costs) around the same time. If you can refi to a lower rate w/o picking up PMI your method worked better than mine for sure. there never is a free lunch. ---
**Author:** ![chino](https://avatars.discourse-cdn.com/v4/letter/c/bcef8e/32.png) [@chino](https://forums.speedlife.net/u/chino)\ **Post date:** [December 18, 2008, 1:21pm UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/26 "2008-12-18T13:21:31Z")
merged because viper LOVES making reposts of active threads. ---
**Author:** ![Blue\_Eyed\_Devil](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/blue_eyed_devil/32/7292_2.png) [@Blue\_Eyed\_Devil](https://forums.speedlife.net/u/Blue_Eyed_Devil)\ **Post date:** [June 30, 2009, 8:50am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/27 "2009-06-30T08:50:00Z")
Bump. Anyone find any great deals lately? My bank quoted 5.5% which I thought was high but apparently rates just went up.:feck: I found lower rates for 15 year but I can’t swing that. ---
**Author:** ![boardjnky4](https://avatars.discourse-cdn.com/v4/letter/b/96bed5/32.png) [@boardjnky4](https://forums.speedlife.net/u/boardjnky4)\ **Post date:** [June 30, 2009, 8:54am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/28 "2009-06-30T08:54:52Z")
yeah, rates are on the rise again. I wasn’t a refi, but I locked into my mortgage about 3 weeks ago and scored a 4.875. About a week ago, rates started to go up. ---
**Author:** ![Joe](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joe/32/7219_2.png) [@Joe](https://forums.speedlife.net/u/Joe)\ **Post date:** [June 30, 2009, 8:57am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/29 "2009-06-30T08:57:56Z")
I’m at 4.625 for a 15 year or 4.875 on a 30. ---
**Author:** ![Joe](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joe/32/7219_2.png) [@Joe](https://forums.speedlife.net/u/Joe)\ **Post date:** [June 30, 2009, 9:00am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/30 "2009-06-30T09:00:45Z")
I’m at 4.375 for a 15 year or 4.875 on a 30. No fees for origination or re-fi. Employee mortgage FTW. ---
**Author:** ![boardjnky4](https://avatars.discourse-cdn.com/v4/letter/b/96bed5/32.png) [@boardjnky4](https://forums.speedlife.net/u/boardjnky4)\ **Post date:** [June 30, 2009, 9:01am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/31 "2009-06-30T09:01:30Z")
damn you for no origination!! ---
**Author:** ![walter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/walter/32/7202_2.png) [@walter](https://forums.speedlife.net/u/walter)\ **Post date:** [June 30, 2009, 9:05am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/32 "2009-06-30T09:05:34Z")
If you look at the charts they seem like they have been cycling over the past several months quite a bit more than I would have thought. I need to get around to refinancing. I say that about every 6 months. ---
**Author:** ![Blue\_Eyed\_Devil](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/blue_eyed_devil/32/7292_2.png) [@Blue\_Eyed\_Devil](https://forums.speedlife.net/u/Blue_Eyed_Devil)\ **Post date:** [June 30, 2009, 9:07am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/33 "2009-06-30T09:07:09Z")
> [@boardjnky4](#): > > …About a week ago, rates started to go up. :banghead::suicide::hang: No wonder they took a week to return my call. ---
**Author:** ![Daddie](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/daddie/32/7621_2.png) [@Daddie](https://forums.speedlife.net/u/Daddie)\ **Post date:** [June 30, 2009, 9:50am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/34 "2009-06-30T09:50:02Z")
I refi’d still in the middle of the process - 4.25% bitches ---
**Author:** ![greenbull](https://avatars.discourse-cdn.com/v4/letter/g/bc8723/32.png) [@greenbull](https://forums.speedlife.net/u/greenbull)\ **Post date:** [June 30, 2009, 9:52am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/35 "2009-06-30T09:52:48Z")
Very nice I modified my loan about 4 month ago from 5.675% to 4.575% for a measely $700 ---
**Author:** ![walter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/walter/32/7202_2.png) [@walter](https://forums.speedlife.net/u/walter)\ **Post date:** [June 30, 2009, 10:00am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/36 "2009-06-30T10:00:04Z")
> [@Daddie](#): > > I refi’d still in the middle of the process - > > 4.25% bitches points are for bitches ---
**Author:** ![cougarspeed](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/cougarspeed/32/7468_2.png) [@cougarspeed](https://forums.speedlife.net/u/cougarspeed)\ **Post date:** [June 30, 2009, 10:25am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/37 "2009-06-30T10:25:43Z")
WTf i got 5% ---
**Author:** ![walter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/walter/32/7202_2.png) [@walter](https://forums.speedlife.net/u/walter)\ **Post date:** [June 30, 2009, 10:38am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/38 "2009-06-30T10:38:24Z")
No one got 4.25% without points. ---
**Author:** ![Blue\_Eyed\_Devil](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/blue_eyed_devil/32/7292_2.png) [@Blue\_Eyed\_Devil](https://forums.speedlife.net/u/Blue_Eyed_Devil)\ **Post date:** [June 30, 2009, 10:40am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/39 "2009-06-30T10:40:40Z")
My sis is refinancing and she “locked in” at 4.8%a couple weeks ago but the paper work is not even done yet so why can’t I get 4.8%?!? I know, it is what it is but, it is also frustrating! ---
**Author:** ![Joe](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joe/32/7219_2.png) [@Joe](https://forums.speedlife.net/u/Joe)\ **Post date:** [June 30, 2009, 10:47am UTC](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956/40 "2009-06-30T10:47:01Z")
5/1 ARM? :lol: [Previous page](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956.md?page=1) [Next page](https://forums.speedlife.net/t/mortgage-peeps-refi-soon/59956.md?page=3)