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Are these loan rates competitive?

Are these loan rates competitive?# Living

m*n2011-05-09 07:05

1 楼

I'm a first-time buyer and just got some quotes from a loan officer at a
bank. Are these rates good? I should have very good credit (though have
not checked it).

j*o2011-05-09 07:05

2 楼

too high

interest

【在 m*****n 的大作中提到】

: I'm a first-time buyer and just got some quotes from a loan officer at a
: bank. Are these rates good? I should have very good credit (though have
: not checked it).

m*n2011-05-09 07:05

3 楼

From Google it seems the lowest 15 year fixed is 3.75%, but for 5/1 ARM, the
rates vary from 3.625% to 4.375%. Why does that vary so much? All are
said to have no points (with zero or not much lender's fee). Is there a
trap???

【在 j**o 的大作中提到】

: too high
:
: interest

U*n2011-05-09 07:05

4 楼

25% down pay can get 2.625% for 5/1 ARM

b*d2011-05-09 07:05

5 楼

Jumbo Rate is too high!

interest

【在 m*****n 的大作中提到】

: I'm a first-time buyer and just got some quotes from a loan officer at a
: bank. Are these rates good? I should have very good credit (though have
: not checked it).

K*z2011-05-09 07:05

6 楼

Which state?

m*n2011-05-09 07:05

7 楼

Yes,jumbo seems too high. So, we will go with the 15 year conventional loan.
3.875% is ok. The bank does not charge origination fee and was giving me
the quotes for 45-day lock-in rather than 30-day lock-in, since our house
won't close until after mid-June. The 30-day lock-in rate is still 3.875%
but they will give me $1k deduction of closing cost.

【在 b*d 的大作中提到】

: Jumbo Rate is too high!
:
: interest

t*j2011-05-09 07:05

8 楼

Which state? For many states, our rate for 15 year fixed is 3.75%, no point,
waive lender fee and appraisal fee.

d*n2011-05-09 07:05

9 楼

如果真正做成jumbo就很难说了，要看LZ所在州的high balance limit是多少了，如果属于high balance loan，而非jumbo，rate会好很多的。
除了15年fixed比较靠谱一点，其他的确实都很高。这几天rate正好呢，看楼上报15年3.75%有不少，应该差不多的。不过，州与州在rate上也会有区别。
具体问题具体分析吧。