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Posts: 156

In response to "CNN: 15 year mortgages down to 3.11% -- nm" by zeitgeist

damnit!

Posted by znufrii Apr 12 '12, 13:38

can I unlock my rate, and re-lock it at a lower one, do you think?

Responses:

you could refi -- nm - zeitgeist Apr 12, 13:40
Are you doing a 15 or a 30? The 30 rate will be higher. -- nm - ty97 Apr 12, 13:40 10
- 30 years at 4%, 90-day rate lock. -- nm - znufrii Apr 12, 13:45 5
  - The average for 30-year is still right around 4, you're doing great. -- nm - ty97 Apr 12, 13:52 4
    - I just finished refinancing my house from my purchase 6 months ago and lowered it by half a point. These rates are just crazy low. I remember - pmb Apr 12, 13:58 1
      - just imagine if you bought your house 30 years ago and were just paying it off now without ever refinancing it - znufrii Apr 12, 14:00
    - *phew* - znufrii Apr 12, 13:54 1
      - they are the lowest since our grandparents era -- nm - zeitgeist Apr 12, 14:00
- If his is over 4 now, it might actually be worth it to redo a 15, he might not pay that much more -- nm - zeitgeist Apr 12, 13:41 3
  - i am fairly certain that one percentage point does not make 15 years of mortgage payments go away. - TFox Apr 12, 13:46 1
    - it's about $500/month difference - znufrii Apr 12, 13:49
  - He's still in the buying process. He doesn't close until June. -- nm - ty97 Apr 12, 13:46

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