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    1. Back To Top    #1
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      Current Refi rates

      I will be refinancing shortly. Looks like 30yr@2.75% & 15yr@2.65%. Credit score 800. Anyone refied lately? Thx

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      Locked in yesterday at 2% for 10 years.

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      We went to Gate City Bank about 7-8 months ago, was the best rates we could find. But don’t specifically remember what they are.
      It was a half percentage better or more than any other place we looked.

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      they cant print the money faster. Housing prices just keep going up and up

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    5. Back To Top    #5
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      Quote Originally Posted by johnr View Post
      We went to Gate City Bank about 7-8 months ago, was the best rates we could find. But don’t specifically remember what they are.
      It was a half percentage better or more than any other place we looked.
      Thanks. I’ll check them out

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      I locked in a 10 year at 2 and 1/8 I believe

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    7. Back To Top    #7
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      Quote Originally Posted by espringers View Post
      I locked in a 10 year at 2 and 1/8 I believe
      i don’t believe I can swing a 10 yr

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      Just did paperwork last week. Elending now. 15 year 2.35%

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    9. Back To Top    #9
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      Gate City...been with them for over 20 years for everything...mortgage, vehicles, boat...can't beat the customer service.

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    10. Back To Top    #10
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      Check it out. A lot of them have ballon payments at the end and then you refinance the balance. Banks and credit unions will work with your situation. If they don’t there’s another one around the corner that will. Good luck

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    11. Back To Top    #11
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      E Lending Now rules. Owner David is one of us; fisher and hunter.

      400 E Broadway Ave Ste 303, Bismarck, ND, 58501

      (701) 355-4172

      elendingnow.com

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      Last edited by Ristorapper; 12-13-2020 at 10:34 AM.

    12. Back To Top    #12
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      I missed a good money-out refi, which is different than just refinancing. Didn't have everything ready when my lending guy texted me. Now that I'm ready those money-out refi are back up a bit. I had the chance on a 2.16% money-out chance last week (already at 3.75% now). I want to withdraw $100,000 from equity and use it while we have these low rates on other property options.

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    13. Back To Top    #13
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      Quote Originally Posted by Up Y'oars View Post
      I missed a good money-out refi, which is different than just refinancing. Didn't have everything ready when my lending guy texted me. Now that I'm ready those money-out refi are back up a bit. I had the chance on a 2.16% money-out chance last week (already at 3.75% now). I want to withdraw $100,000 from equity and use it while we have these low rates on other property options.
      it is very cheap money but I’m hoping to refi without taking any equity out

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    14. Back To Top    #14
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      Quote Originally Posted by mikef View Post
      it is very cheap money but I’m hoping to refi without taking any equity out
      I understand, but I want to use the $100,000 for other things while these rates are so damn low rather than having it just sit there in equity! If I use the money to do ANYTHING better than 2.16% i'm making money for the next fifteen years.

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    15. Back To Top    #15
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      Quote Originally Posted by Up Y'oars View Post
      I understand, but I want to use the $100,000 for other things while these rates are so damn low rather than having it just sit there in equity! If I use the money to do ANYTHING better than 2.16% i'm making money for the next fifteen years.
      I totally get it. Hope it works out for you

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    16. Back To Top    #16
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      Quote Originally Posted by Ristorapper View Post
      E Lending Now rules. Owner David is one of us; fisher and hunter.

      400 E Broadway Ave Ste 303, Bismarck, ND, 58501

      (701) 355-4172


      elendingnow.com

      yeah originally bought through elending and doug wentz i think 7 years ago. had no issues, my wifes family knows stephanie ebach so went with her this time as she notified us it was a good time and again no complaints, real easy smooth process.

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    17. Back To Top    #17
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      Quote Originally Posted by jdinny View Post
      yeah originally bought through elending and doug wentz i think 7 years ago. had no issues, my wifes family knows stephanie ebach so went with her this time as she notified us it was a good time and again no complaints, real easy smooth process.
      They have been a fixture for quite a few years in the Bismarck and Minot markets. Seemless and smooth back in '99 when we built a new home for our family. David was great to work with. Stephanie was there at the time too I believe and Doug has moved on. Great company to deal with if you are searching for home financing.

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    18. Back To Top    #18
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      Up Y'oars's Avatar
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      I just locked in a 2% 15yr loan, with money back to draw out some of the equity money. I figure I can use it at a much better return than 2% and just sitting there in equity. Any ROI better than 2% is putting money back into my pockets!

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    19. Back To Top    #19
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      Quote Originally Posted by Up Y'oars View Post
      I just locked in a 2% 15yr loan, with money back to draw out some of the equity money. I figure I can use it at a much better return than 2% and just sitting there in equity. Any ROI better than 2% is putting money back into my pockets!
      If you don’t mind my asking,Any points or closing costs?

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    20. Back To Top    #20
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      Quote Originally Posted by mikef View Post
      If you don’t mind my asking,Any points or closing costs?
      Closing costs will be built into the refi so nothing out of pocket. But, coming down from 3.75% to 2% should help on that. No points, just a straight 2%! THAT'S EFFIN' LOW!

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