Real Experiences

“**30 Year Fxd** **Rate:** 6.5%”

“**PHY30Fxd** **Rate:** 6.875%”

“**PHY10ARM** **Rate:** 6.25%”

“**PHY7ARM** **Rate:** 6.000%”

“**15 Year Fxd** **Rate:** 5.875%”

“Based on your scenario: **30 Year Fxd** **Rate:** 6.625%”

“I got a <6 rate at 0 points, but I locked at the beginning of May. If you started looking in the past 10 days, I believe the rates were really bad. I closed at 5.625% at 0 points, and I referred my friend to the same broker.”

“This pretty much sums it. New build buyer here, closing with a 5.49 but 4.5 for the first year.”

“**FHA 30 Fxd** **Rate:** 6.25%”

“**30 Year Fxd** **Rate:** 7.00%”

“I locked in 4/28 at 5.75 and I could not Docusign fast enough.”

“I bought at 7.125% in 2024 and refi'd at 5.99% when the rates dipped briefly at the beginning of this year.”

“We're at 6.857%, so 5.625% is a drop of 1.232% from where we are currently.”

“Based on your scenario: **30Fxd** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 7.125%”

“I was at a 7.25, and just got done refinancing to a 5.1% thru a local credit union 🙌🏻 saving $500 a month.”

“The current loan estimate is showing 5.625% (based on my credit score of 723), and they calculate rates daily.”

“Based on your scenario: **30 Year Fixed** **Rate:** 6.75%”

“**30 Year Fixed** **Rate:** 6.625%”

“560k loan, interest rate 5.99, buy down 16k for 4.99 or 21k for 4.75.”

“Buying our second home after selling our first back in February. Last Friday the rate was at 6.6% for us. We locked in yesterday at 6.8%.”

“**PHY10 ARM** **Rate:** 6.125%”

“**PHY7ARM** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:** 6.75%”

“**30 Year Fixed** **Rate:** 6.75%”

“**20 Year Fixed** **Rate:** 6.5%”

“**15 Year Fixed** **Rate:** 6.125%”

“30 Year Fixed Rate: 6.625%”

“Based on your scenario (10yr Cash-out): **30 Year Fixed** **Rate:** 6.000%”

“Based on your scenario (20% down): **30 Year Fixed** **Rate:** 6.625%”

“PHY7ARM Rate: 6.000%”

“Lender 1 - 5.99% with first 12 months at 4.99% Lender 2 - offered 5.99% but changed 5.625% using some sort of origination fee credit to lower rate after I told him about first offer.”

“Lender 1 - 5.99% with first 12 months at 4.99% Lender 2 - offered 5.99% but changed 5.625% using some sort of origination fee credit to lower rate after I told him about first offer.”

“**30 Year Fixed** **Rate:** 6.5%”

“**VA30 Year Fixed** **Rate:** 6.125%”

“Based on your scenario: **VA30 Year Fixed** **Rate:** 5.75%”

“**30 Year Fixed** **Rate:** 6.875%”

“I got a conventional loan two weeks ago with a rate of 5.25% using a FTHB program offered by my state.”

“Just closed at 5.375% on an FHA loan with 10% down. We bought points but it would have been 5.9% without buying points.”

“Just closed at 5.375% on an FHA loan with 10% down. We bought points but it would have been 5.9% without buying points.”

“**VA30 Year Fixed** **Rate:** 5.5%”

“**30 Year Fixed** **Rate:** 6.25%”

“30 Year Fixed Rate: 6.375%”

“**Rate:** 6.25%”

“**15 Year Fixed** **Rate:** 6.5%”

“**15 Year Fixed** **Rate:** 5.625%”

“**PHY7ARM** **Rate:** 5.875%”

“**PHY30Fxd** **Rate:** 6.75%”

“**30 Year Fixed** **Rate:** 6.375% **APR:** 6.406%”

“**PHY10ARM** **Rate:** 6.125%”

“**30 Year Fixed** **Rate:** 5.5%”

“**30 Year Fixed** **Rate:** 6.375% **APR:** 6.400%”

“**VA30 Year Fixed** **Rate:** 5.5%”

“**30 Year Fixed** **Rate:** 6.375% **APR:** 6.671%”

“**15 Year Fixed** **Rate:** 5.625% **APR:** 5.7147.449%”

“**30 Year Fixed** **Rate:** 6.125%”

“**VA30 Year Fixed** **Rate:** 6.000%”

“**30 Year Fixed** **Rate:** 6.25%”

“**MP7ARM** **Rate:** 5.75%”

“**30 Year Fixed** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 6.625%”

“**20 Year Fixed** **Rate:** 6.375%”

“**Conv 30 Year Fixed (No PMI)** **Rate:** 6.75%”

“**FHA 30 Year Fixed (PMI)** **Rate:** 5.75%”

“**30 Year Fixed** **Rate:** 6.625% **APR:** 6.834%”

“**30 Year Fixed** **Rate:** 6.375% **APR:** 6.585%”

“**30 Year Fixed** **Rate:** 6.25%”

“**30 Year Fixed** **Rate:** 6.375%”

“**30FXD** **Rate:** 6.875%”

“**VA IRRRL 30 Year Fixed** **Rate:** 6.000%”

“**15 Year Fixed** **Rate:** 5.625%”

“**30 Year Fixed** **Rate:** 6.25%”

“Closing on a house currently. Got $10k under list, $5k closing credit, and they have to do a new roof before closing. 6.375 rate with 10% down.”

“I am learning this the hard way. Comps don’t mean shit. Also, very market dependent. I am in Twin Cities, and we have not had seller credits for some time now. Rates are about 6.25% - 6.5% for most, and we get outbid by a lot very often.”

“Homes in my neighborhood sell for roughly $1.3 million. These are 1,700 SF single family homes on a 6,000 SF lot. The mortgage on a home with 20% down at 6.00% is $7,500 a month.”

“**30 Year Fixed** **Rate:** 7.25%”

“**30 Year Fixed** **Rate:** 7.375%”

“**30 Year Fixed** **Rate:** 6.375%”

“**PHY7ARM** **Rate:** 5.75%”

“**PHY10ARM** **Rate:** 6.000%”

“**PHY30Fxd** **Rate:** 6.625%”

“I’m offered with FHA 5/1 ARM for 4.99 rate, estimated closing costs is nearly $20K, and this will reduce my monthly payment from $180 to $280 for the first 60 months.”

“**30 Year Fixed** **Rate:** 6.375%”

“**30 Year Fixed - $240k** **Rate:** 6.125%”

“I locked my mortgage rate on 04/03 at 5.375 and part of that was due to points I was buying.”

“I locked my mortgage rate on 04/03 at 5.375 and part of that was due to points I was buying.”

“**15 Year Fixed** **Rate:** 6.00%”

“**30 Year Fixed** **Rate:** 6.25%”

“**30 Year Fixed** **Rate:** 6.375%”

“I locked in 5.75% today on a 30 year conventional with no points (800+ credit) and I'm not a first time homebuyer. Location: Northern VA.”

“My credit union is giving me 5.25% …. No points, 3-5% down.”

“My option was 6.1% fixed or 5.1% for a 7 year arm.”

“My option was 6.1% fixed or 5.1% for a 7 year arm.”

“**15 Year Fixed** **Rate:** 5.375%”

“**30 Year Fixed** **Rate:** 6.75%”

“**PHY7ARM** **Rate:** 5.875%”

“**PHY10ARM** **Rate:** 6.125%”

“PHY30 Year Fixed Rate: 6.75%”

“**15 Year Fixed** **Rate:** 5.5%”

“**20 Year Fixed** **Rate:**
6.75%”

“Based on your scenario: **30 Year Fixed** **Rate:** 6.25%”

“**30 Year Fixed** **Rate:** 6.125%”

“**PHY7ARM** **Rate:** 5.875%”

“**PHY10ARM** **Rate:** 6.125%”

“**PHY30 Year Fixed** **Rate:** 6.75%”

“6.474% rate quoted today.”

“Based on your scenario: **30 Year Fixed** **Rate:** 6.00%”

“It was expected to increase to 7% so anything under 6.5% I was good with - locked at 6.25%.”

“**PHY7ARM** **Rate:** 5.875%”

“**PHY30 Year Fixed** **Rate:** 6.75%”

“**VA30 Year Fixed** **Rate:** 6.00%”

“**15 Year Fixed** **Rate:** 5.625%”

“Locked 6.375% yesterday, no points purchased, 30 year conventional loan, 20% down. Can float down for free if needed at close. We are in Florida.”

“**30 Year Fixed** **Rate:** 6.375%”

“We locked in at 5.625 and close tomorrow. With 0% down but this was a VA 30 year loan, not shure how much that plays into it.”

“Where do yall live?? I was able to lock in 5.125% after dropping from 5.25 the day before.”

“I did a ARM for 5 years at 4.875%.”

“I got a 5.8% 800 credit score 400k in TN conventional first time home buyer”

“I locked in 4.625% today for a fixed 15-year.”

“**30 Year Fixed** **Rate:**
6.25%”

“**PHY7ARM** **Rate:** 5.875%”

“**PHY30 Year Fixed** **Rate:** 6.75%”

“We locked at 6.125 to stop the bleeding.”

“I reached out to refinance my current mortgage from 6.75 over 30 to 5.50 over 20.”

“**PHY10ARM** **Rate:** 6.125%”

“I locked in my rate yesterday at 6.1, 30 year mortgage with 5% down.”

“We did, but we got 5.375% for a 15 year.”

“We just locked in 3 days ago. $350k with 50% down, 805-820+ Credit Scores, enough money leftover that we could pay off the house in cash, only other debt is one car that will be paid off this year, and the company around us sold for more. 6.125%.”

“**30 Year Fixed** **Rate:** 6.25%”

“With a score this high 719 is pretty good you should be a little closer to par imo 6.375%”

“We just locked at 6.25 in central WI.”

“**15 Year Fixed** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:** 6.25%”

“**30 Year Fixed** **Rate:** 6.375%”

“**30 Year Fixed** **Rate:** 6.875%”

“**FHA 30 Year Fixed** **Rate:** 6.00%”

“**FTBHB $0 Down 7ARM - No PMI** **Rate:** 7.25%”

“**PHY7ARM** **Rate:** 5.875%”

“**PHY10ARM** **Rate:** 6.125%”

“**PHY30 Year Fixed** **Rate:** 6.75%”

“**30 Year Fixed** **Rate:** 6.5%”

“**FHA30 Year Fixed** **Rate:** 6.000%”

“**30 Year Fixed** **Rate:** 6.375%”

“**30 Year Fixed** **Rate:** 6.375%”

“**30 Year Fixed** **Rate:** 6.5%”

“**20 Year Fixed** **Rate:** 6.00%”

“**30 Year Fixed** **Rate:** 6.375%”

“**VAIRRRL 30 Year Fixed** **Rate:** 6.00%”

“**30 Year Fixed** **Rate:** 6.375%”

“**30 Year Fixed** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 6.5%”

“Current rate 5.85”

“**30 Year Fixed (779k loan amount, 5%)** **Rate:** 6.625%”

“**30 Year Fixed (656k loan amount, 20% down)** **Rate:** 6.75%”

“**30 Year Fixed** **Rate:** 6.75%”

“**FHA30 Year Fixed** **Rate:** 5.75%”

“**30 Year Fixed** **Rate:** 6.25%”

“**30 Year Fixed** **Rate:** 6.375%”

“**30 Year Fixed** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 6.25%”

“**7ARM** **Rate:** 5.75%”

“**VA30 Year Fixed** **Rate:** 6.000%”

“4.75% locked in last week. Outside of Tampa, FL”

“**30 Year Fixed** **Rate:** 6.875%”

“**PHY7ARM** **Rate:** 6.375%”

“**VA30 Year Fixed** **Rate:** 5.625%”

“**30 Year Fixed** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 6.125%”

“New Mexico. 5.875”

“Got very lucky a few weeks ago. Texas 800+ credit scores 20% down $335k price  5.99% Interest rate”

“Based on your scenario: **30 Year Fixed** **Rate:** 6.25%”

“Building in NC. Was looking at 5 or 7yr ARM’s with a local credit union. No points and rates were 5.3-5.6 depending on 5 or 7yr ARM’s”

“Building in NC. Was looking at 5 or 7yr ARM’s with a local credit union. No points and rates were 5.3-5.6 depending on 5 or 7yr ARM’s”

“I was feeling bad the other day about my 6.125% I locked in a few years ago on a $250k house.”

“**Phy5 ARM** **Rate:** 5.625%”

“**Phy7 ARM** **Rate:** 5.75%”

“**Phy 30FXD** **Rate:** 6.625%”

“I am scheduled to close with a 5.625% refinance rate on a 30-year fixed mortgage for a condo Chicago (coming from a 6.75% 30-year fixed mortgage).”

“**VA30 Year Fixed** **Rate:** 5.75%”

“**Phy 30 Year Fixed** **Rate:** 6.75%”

“**Phy7 ARM** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:** 6.500%”

“**25% 30 Year Fixed** **Rate:** 6.25%”

“**20% 30 Year Fixed** **Rate:** 6.375%”

“**30 Year Fixed** **Rate:** 6.375%”

“**FHA 30 Year Fixed** **Rate:** 6.125%”

“**Conv 30 Year Fixed** **Rate:** 6.375%”

“**PHY 7ARM** **Rate:** 5.75% **APR:** 5.6.359%”

“**PHY 30 Year Fixed** **Rate:** 6.625% **APR:** 6.941%”

“**15 Year Fixed** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 6.875% **APR:** 6.898%”

“Literally locked in our refi rate on 2/27 at 5.625% for a 30 yr mortgage (no points) and closed yesterday 🙌”

“Crazy how I started shopping for a home a month and a half ago and locked in a FHA ARM 5/1/1 @ 3.99%”

“Glad I locked my refinance on Feb 26 at 5.875% from 6.875%. Hoping in a year to go down to 5%”

“Locked in 6.125% a week ago, was 6.99% previously”

“locked in at 6.8% last fall so feeling pretty zen about missing that dip now that we're climbing again”

“We're talking 7.5% 30yr conv.”

“Glad I locked my refinance on Feb 26 at 5.875% from 6.875%.”

“Glad I locked my refinance on Feb 26 at 5.875% from 6.875%.”

“I made an offer on a house in February and it was quoted at 5.75, seller didn’t respond and came back and asked us to make another offer which we did on march 8th and was quoted 5.875, seller didn’t respond, came back and asked us to make another offer today, and quoted 6.125.”

“I made an offer on a house in February and it was quoted at 5.75, seller didn’t respond and came back and asked us to make another offer which we did on march 8th and was quoted 5.875, seller didn’t respond, came back and asked us to make another offer today, and quoted 6.125.”

“I made an offer on a house in February and it was quoted at 5.75, seller didn’t respond and came back and asked us to make another offer which we did on march 8th and was quoted 5.875, seller didn’t respond, came back and asked us to make another offer today, and quoted 6.125.”

“I went from 6.625 to 5.375 this past Feb.”

“Wow! Thanks for the intel. I just completed a refinance at 5.5% a few weeks ago. So glad I got in when I did. I was at 6.625% on my first mortgage and rolled a HELOAN that was at 8.125% into it.”

“Just wrapped up a 6.875% (May 2025) —> 6.125% (locked before Iran “event”) refi in MN with zero cost to me.”

“Mine jumped from 6.125 early march to 6.375 last week. We just locked today. Don’t wanna risk it any further. Btw its 30 yrs.”

“Refinance from 6.25 to 5.25”

“Was able to lock 6% yesterday for $290.”

“How much jumped? Mine jumped from 6.125 early march to 6.375 last week.”

“I agree - I just closed on a re-fi in mid February. We went from 7.25 to 6.125.”

“**30 Year Fixed** **Rate:** 5.375%”

“**30 Year Fixed** **Rate:** 6.250%”

“**15 Year Fixed** **Rate:** 5.500%”

“**Conv 30 Year Fixed** **Rate:** 6.000% **APR:** 6.301%”

“**FHA 30 Year Fixed** **Rate:** 5.875% **APR:** 6.559%”

“**7ARM** **Rate:** 7.125%”

“**30 Year Fixed** **Rate:** 6.125%”

“**5ARM** **Rate:** 7.000%”

“**10ARM** **Rate:** 7.375% **APR:** 7.083%”

“Currently at a 6.825% rate with 29 years remaining. • New Rate: 5.5% 30-yr fixed. 0 points”

“**30 Year Fixed** **Rate:** 6.5%”

“**FHA30 Year Fixed** **Rate:** 5.75%”

“I just locked in yesterday VA loan for 4.875”

“**7ARM** **Rate:** 5.625%”

“Same. I just bought half a point 2 weeks ago when rates were at 6%. I’m refinancing from 7.5 to 5.5.”

“I just locked last Monday at 5.625 refinance from my 6.99–a godsend”

“Whew, just barely locked in 5.625 from 6.625.”

“**30 Year Fixed** **Rate:** 5.625%”

“**VA30 Year Fixed IRRRL** **Rate:** 6.625%”

“**30 Year Fixed** **Rate:** 5.375%”

“**30 Year Fixed** **Rate:** 6.375%”

“**30 Year Fixed** **Rate:** 7.000%”

“Got my house in August at 6.875, 136K left. 30 year.”

“Just locked today 6% VA- no points 30-yr Indiana”

“Just locked in 6.375% 30-year fixed but only 3% down so feels about right.”

“After starting to hear the news of recent events, locked the week before last at 5.625 no points, no VA. 30 yr MI, $332 section D after lender credit.”

“**7ARM** **Rate:** 5.5%”

“30 Year Fixed Rate: 6.375%”

“**7ARM** **Rate:** 5.5% **APR:** 5.944%”

“30 Year Fixed Rate: 6.000%”

“**30 Year Fixed** **Rate:** 6.25%”

“20 Year Fixed Rate: 5.875%”

“30 Year Fixed Rate: 6.125%”

“**15 Year Fixed** **Rate:** 5.5%”

“**30 Year Fixed** **Rate:** 6.000%”

“What did you get? We locked in 5.25% two months ago.”

“I think you should definitely shop around to your local credit unions and see if they have more competitive rates. They are slower to raise and slower to drop (so I've been told) and we just locked in yesterday at 5.99% after earlier this week being quoted 6.5% due to the market.”

“Nope, found out with pretty solid certainty we were being taken advantage of. Spoke with 3 loan officers since making this post, one told me their closing costs are $1900 cheaper AND the rate they can lock in is 5.49%.”

“VA loan 4.625% on a new construction and only about 1900 to close”

“Refinance from 6.8% to 5.8% on a No-Cost Loan. Am I crazy to do this?”

“Locked mine in at 5.625, no points a couple weeks ago in IA”

“My first year is 3% interest rate, 4% the second year, and 5% for my forever rate.”

“Was quoted 5.625% today on a 30yr similar scenario.”

“**20 Fixed** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:** 6.375% **APR:** 6.389%”

“Just refinanced yesterday at 5.25 no points/cost, locked from Monday.”

“**30 Year Fixed - ($832,750)** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:** 6.125%”

“**10 ARM** **Rate:** 5.75%”

“**15 Year Fixed** **Rate:** 5.5%”

“**30 Year Fixed** **Rate:** 6.375%”

“**5ARM** **Rate:** 5.375%”

“I just went from 7.75 to 5.375 this month with rate adjustment with my CU. No brainer.”

“refinanced FHA streamline locked yesterday at 5.125%”

“3.49% no points on $320,000, DFW!”

“Holy 2 points for that rate? I'm closing this week and mine was 0.8 for 5.625%.”

“Just curious is this a conventional loan. Cuz I just refi my va home loan was able to get 5.25 but my original home loan was set at 6.25”

“Locked in a 5.1% this past Friday, its crazy how rates can shift”

“Rates went up today, we had a 5.69% quote yesterday and did not lock, went up to a 5.89% today.”

“We did too. $2k fees. Should be closing next week, rate originally was 6.875”

“Rates went up today, we had a 5.69% quote yesterday and did not lock, went up to a 5.89% today.”

“6.6”

“LA area as well, $750k loan, 20%+ equity, 750+ credit scores. Locked 5.625 today.”

“**15 Year Fixed** **Rate:** 5.375%”

“**30 Year Fixed** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:** 5.875%”

“I just got locked in at 5.625 recently as well and was very pleased about it. We had got an offer accepted a few years ago (backed out due to foundation issues, right choice but was tough) and had a rate 7.0, so 5.625 was a nice surprise lol”

“Damn yall are lucky. 5.99 first time homeowner on conventional loan, no points.”

“5.59 no points here. locked in about a month ago”

“**FHA 30 Year Fixed** **Rate:** 5.625%”

“**Conv 30 Year Fixed** **Rate:** 6.000%”

“**30 Year Fixed** **Rate:** 6.000%”

“**7ARM** **Rate:** 5.5%”

“**30 Year Fixed** **Rate:** 6.125%”

“**30 Year Fixed (VA)** **Rate:** 5.25%”

“**30 Year Fixed** **Rate:** 6.000%”

“**30 Year Fixed** **Rate:** 5.875%”

“**15 Year Fixed** **Rate:** 5.125%”

“**20 Year Fixed** **Rate:** 5.375%”

“**VA 30 Year Fixed** **Rate:** 5.125%”

“**30 Year Fixed** **Rate:** 6.125%”

“Is it advisable to accept 4.75% rate which will add about $23000 to my current loan.”

“I literally just signed %4.375 with zero points and $250 due at signing.”

“We used Keyinlending.com and got our rate at 4.6%.”

“shop around, i'm switching from 7% to 4.75% with 1.5 points.”

“Closed last Friday at 6.125 from 6.6 with a 390 dollar closing cost.”

“I’m refinancing 6.35 now to 5.625, no points.”

“I went from a 6.875 to 6.25 and am adding the extra $208 per month savings and applying it directly to principal.”

“Just closed today! First time homebuyer, 30-year conventional, 5.624% :)”

“Just closed friday second home SFH %6.3 no points, cash to close 500. Loan amount 300k northern Va. 800+ credit”

“I would say try to refi with 0 closing costs. Ask your lender. I just did it from 6.65 to 6.125 while Rates were at 5.5ish.”

“With the drop and 3k in points, we went from 7.25 (march last year) to 5.75, we’re celebrating”

“can refi down to a 5.375% rate while adding about 12k in closing costs”

“We just refinanced from 7.125 down to 5.75 with no points.”

“I just closed in Phx on a 15 year 4.99% with .6 points with Chase.”

“- 15fxd - 5.75% / 5.846 APR - 0 points - **$1945 lender credit** to reduce fees - $2300/mo payment”

“In Montana. Just locked our rate in @ 5.625. 800+ credit score 10% down. Interest was 6% before the buy down.”

“- 30fxd - 5.875% / 5.912 APR - 0 points - $1043 lender credit to reduce fees - $2189/mo payment”

“- 30fxd - 6.25% / 6.309 APR - 0 points - **$2956 lender credit** to reduce fees - $1706/mo payment”

“I saved $450 because i took the opportunity went from 7.75% to a 5.875%”

“Bought in May 2024 at 7.375% and refinancing at 5.875% for a 1.5% reduction.”

“Yeah it’s this. I just refinanced at 5.875. I could’ve gotten lower but I would’ve had to buy down, which I’m not willing to do.”

“Just closed last week. VA 5.25 30 fixed no buy down. Locked in in early Jan”

“Credit score 800, 10% down, 30-year conventional. Initially quoted 5.99% but got another LE and first broker beat it. Locked at 5.625% and $3700 less in closing costs than original quote (0.1% difference in interest rate and APR).”

“Closed Jan 29th in Phoenix. 5.625% FHA 30 year.”

“I used Lending Tree to find mine, went with Tomo Mortgage at 5.625 last week”

“Just closed last week. VA 5.25 30 fixed no buy down. Locked in in early Jan”

“- 30fxd - 7.625% / 7.675 APR - 0 points - $232 lender credit to reduce fees - $2491/mo payment”

“- 30fxd - 6.000% / 6.031 APR - 0 points - $889 lender credit to reduce fees - $3118/mo payment”

“- 20fxd - 5.75% / 5.79 APR - 0 points - $187 lender credit to reduce fees - $3651/mo payment”

“- 30fxd - 6.00% / 6.031 APR - 0 points - $889 lender credit to reduce fees - $3118/mo payment”

“- 15fxd - 5.25% / 5.30 APR - 0 points - $520 lender credit to reduce fees - $4180/mo payment”

“- 30fxd - 6.000% / 6.027 APR - 0 points - $4722/mo payment”

“We purchased our home in late 2025 at 6.375% and just closed on a no-cost refinance at 5.875%.”

“Singing monday on a new refi. Originally 30yr @7.875 going to a 15yr @4.875 No points.”

“- 15fxd - 5.625% / 5.830 APR - 0 points - $4 lender credit to reduce fees - $1071/mo payment”

“- 30fxd - 6.5% / 6.616 APR - 0 points - $67ender credit to reduce fees - $2169/mo payment”

“- VA30fxd - 5.25% / 5.311 APR - 0 points - $2947/mo payment”

“- FHA30fxd - 5.5% / 6.374 APR - 0 points - $2230/mo payment (FHA PMI +$175)”

“- 30fxd - 6.125% / 6.154 APR - 0 points - $957 lender credit to reduce fees - $3342/mo payment”

“Congrats! I locked in the same yesterday. Refinancing with a 30-year fixed conventional loan at 5.625%.”