Current Refi rates

mikef

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


johnr

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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.
 

shorthairsrus

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

mikef

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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.
Thanks. I’ll check them out
 


jdinny

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

ndfinfan

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

Srputz

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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
 


Up Y'oars

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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.
 

mikef

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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.
it is very cheap money but I’m hoping to refi without taking any equity out
 

Up Y'oars

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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.
 

mikef

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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
 


jdinny

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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


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.
 

Ristorapper

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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.
 

Up Y'oars

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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!
 

mikef

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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!
If you don’t mind my asking,Any points or closing costs?
 

Up Y'oars

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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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