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Should I change the lender now

Should I change the lender now# Living

G*a2010-10-15 07:10

1 楼

I just start process for refi with 200000 for 3.75%, my friend recommend me
other one, probably I can get 3.625%, should I change the lender now.
I am really not the person like to argue with lender, so it seem I always
can not get good deal.

b*d2010-10-15 07:10

2 楼

3.75% 15yrs is already a good deal. the rate has gone up 3 days in a row. By
switching to another lender might not a good idea for now.

me

【在 G****a 的大作中提到】

: I just start process for refi with 200000 for 3.75%, my friend recommend me
: other one, probably I can get 3.625%, should I change the lender now.
: I am really not the person like to argue with lender, so it seem I always
: can not get good deal.

g*12010-10-15 07:10

3 楼

me
always
Would you please recommend the lenders with 3.625% and 3.75% to me?
Thanks! Sometimes lender will give you credits in refinance if you refer
another client. This happened to me once before.

【在 G****a 的大作中提到】

b*d2010-10-15 07:10

4 楼

Rate already went up to 3.75% with >$350K loan amount.

【在 g****1 的大作中提到】

:
: me
: always
: Would you please recommend the lenders with 3.625% and 3.75% to me?
: Thanks! Sometimes lender will give you credits in refinance if you refer
: another client. This happened to me once before.

d*n2010-10-15 07:10

5 楼

如果新的lender可以给LZ锁在3.625%就去，如果只是可能，就不用去了。
另外，也要看新的lender帮LZ锁多久的rate，如果在该时间段内close不上，不论到时
候rate是升是降，LZ都会很难过的。rate升了，就只能等降回来再relock，如果延利息
的话，不知道新的lender能挣多少profit可以cover延期费和其他ref的cost。如果rate
降了，LZ因为之前锁过rate也没那么容易renegotiate。