Real Experiences

“**15 Year Fixed** **Rate:**
6.00%”

“**30 Year Fixed** **Rate:**
6.25%”

“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.”

“**30 Year Fixed** **Rate:**
6.375%”

“PHY30 Year Fixed Rate: 6.75%”

“**PHY10ARM** **Rate:** 6.125%”

“**PHY7ARM** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:**
6.75%”

“**15 Year Fixed** **Rate:** 5.375%”

“**20 Year Fixed** **Rate:**
6.75%”

“**15 Year Fixed** **Rate:**
6.5%”

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

“**PHY10ARM** **Rate:** 6.125%”

“**PHY7ARM** **Rate:** 5.875%”

“30 Year Fixed Rate: 6.125%”

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

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

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

“**PHY7ARM** **Rate:** 5.875%”

“**VA30 Year Fixed** **Rate:**
6.00%”

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

“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.”

“I did a ARM for 5 years at 4.875%.”

“**30 Year Fixed** **Rate:** 6.375%”

“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.”

“**15 Year Fixed** **Rate:** 5.625%”

“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%.”

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

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

“**PHY10ARM** **Rate:** 6.125%”

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

“We locked at 6.125 to stop the bleeding.”

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

“**PHY7ARM** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:**
6.25%”

“**30 Year Fixed** **Rate:** 6.25%”

“**15 Year Fixed** **Rate:** 5.875%”

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

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

“**30 Year Fixed** **Rate:**
6.875%”

“**30 Year Fixed** **Rate:** 6.375%”

“**30 Year Fixed** **Rate:** 6.5%”

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

“**PHY10ARM** **Rate:** 6.125%”

“**PHY7ARM** **Rate:** 5.875%”

“Current rate 5.85”

“**30 Year Fixed** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 6.375%”

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

“**30 Year Fixed** **Rate:** 6.375%”

“**20 Year Fixed** **Rate:** 6.00%”

“**30 Year Fixed** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 6.375%”

“**30 Year Fixed** **Rate:** 6.375%”

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

“**30 Year Fixed** **Rate:** 6.25%”

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

“**30 Year Fixed** **Rate:** 6.75%”

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

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

“**30 Year Fixed** **Rate:** 6.875%”

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

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

“**7ARM** **Rate:** 5.75%”

“**30 Year Fixed** **Rate:** 6.25%”

“**30 Year Fixed** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 6.375%”

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

“New Mexico. 5.875”

“**30 Year Fixed** **Rate:** 6.125%”

“**30 Year Fixed** **Rate:** 6.5%”

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

“**PHY7ARM** **Rate:** 6.375%”

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

“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”

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

“**Phy 30FXD** **Rate:** 6.625%”

“**Phy7 ARM** **Rate:** 5.75%”

“**Phy5 ARM** **Rate:** 5.625%”

“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).”

“**Phy7 ARM** **Rate:** 5.875%”

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

“**VA30 Year Fixed** **Rate:** 5.75%”

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

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

“**30 Year Fixed** **Rate:** 6.500%”

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

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

“**30 Year Fixed** **Rate:** 6.375%”

“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%”

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

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

“**15 Year Fixed** **Rate:** 6.5%”

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

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

“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.”

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

“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.”

“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%.”

“We're talking 7.5% 30yr conv.”

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

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

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

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

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

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

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

“Refinance from 6.25 to 5.25”

“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.”

“**30 Year Fixed** **Rate:** 5.375%”

“**15 Year Fixed** **Rate:** 5.500%”

“**30 Year Fixed** **Rate:** 6.250%”

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

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

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

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

“**5ARM** **Rate:** 7.000%”

“**30 Year Fixed** **Rate:** 6.125%”

“**7ARM** **Rate:** 7.125%”

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

“**30 Year Fixed** **Rate:** 6.5%”

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

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

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

“**7ARM** **Rate:** 5.625%”

“I just locked in yesterday VA loan for 4.875”

“**30 Year Fixed** **Rate:** 5.625%”

“**30 Year Fixed** **Rate:** 5.375%”

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

“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.”

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

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

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

“**30 Year Fixed** **Rate:** 7.000%”

“**30 Year Fixed** **Rate:** 6.375%”

“30 Year Fixed Rate: 6.375%”

“**7ARM** **Rate:** 5.5%”

“30 Year Fixed Rate: 6.125%”

“20 Year Fixed Rate: 5.875%”

“**30 Year Fixed** **Rate:** 6.25%”

“30 Year Fixed Rate: 6.000%”

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

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

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

“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%.”

“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.”

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

“**30 Year Fixed** **Rate:** 6.000%”

“**15 Year Fixed** **Rate:** 5.5%”

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

“**10 ARM** **Rate:** 5.75%”

“**30 Year Fixed** **Rate:** 6.125%”

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

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

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

“**20 Fixed** **Rate:** 5.875%”

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

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

“**15 Year Fixed** **Rate:** 5.375%”

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

“6.6”

“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.”

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

“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”

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

“3.49% no points on $320,000, DFW!”

“refinanced FHA streamline locked yesterday at 5.125%”

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

“**5ARM** **Rate:** 5.375%”

“**30 Year Fixed** **Rate:** 6.375%”

“**15 Year Fixed** **Rate:** 5.5%”

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

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

“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”

“**30 Year Fixed** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:** 6.125%”

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

“**20 Year Fixed** **Rate:** 5.375%”

“**15 Year Fixed** **Rate:** 5.125%”

“**30 Year Fixed** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:** 6.000%”

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

“**30 Year Fixed** **Rate:** 6.125%”

“**7ARM** **Rate:** 5.5%”

“**30 Year Fixed** **Rate:** 6.000%”

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

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

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

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

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

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

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

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

“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.”

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

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

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

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

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

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

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

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

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

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

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

“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).”

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

“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.”

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

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

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

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

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

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

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

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

“- 30fxd - 6.00% / 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”

“We signed the documents and completed our first refinance yesterday! Went from a 7.125 30 year to a 5.625 30 year no points.”

“- 30fxd - 5.625% / 5.749 APR - 0 points - $3777/mo payment”

“Same rate as me. No closing costs (15k seller credit) aside from my down payment. Closed last Thursday in Phoenix.”

“Locked in last week with new builder incentives 26k plus 5k with preferred lender. No closing costs 2/1 buy down 3.3, 4.3 and locked in at 5.3.”

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

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

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

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

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

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

“- 7ARM - 5.75% / 6.071 APR - 0 points - $1520 lender credit to reduce fees - $5544/mo payment”

“- 30fxd - 6.375% / 6.394 APR - 0 points - $1376 lender credit to reduce fees - $5365/mo payment”

“- 7ARM - 5.75% / 6.091 APR - 0 points - $640 lender credit to reduce fees - $2334/mo payment”

“Today I secured a 5.625% refinance rate lock for a 30-year fixed conventional loan with $0 points and $0 lender fees.”

“- 15fxd - 5.25% / 5.308 APR - 0 points - $680 lender credit to reduce fees - $3617/mo payment”

“- 30fxd - 6.00% / 6.035 APR - 0 points - $1624 lender credit to reduce fees - $2698/mo payment”

“- 30fxd - 6.625% / 6.640 APR - 0 points - $1520 lender credit to reduce fees - $6083/mo payment”

“- 10ARM - 6.00% / 6.143 APR - 0 points - $1520 lender credit to reduce fees - $5696/mo payment”

“- 30fxd - 6.125% / 6.424 APR - 0 points - $12338 lender credit to reduce fees - $4672/mo payment”

“- 30fxd - 5.875% / 5.987 APR - 0 points - $3744 /mo payment”

“Yeah I’m going with a credit union to refinance and it’s 5.5% I have a lot of equity though.”

“- 30fxd - 5.75% / 5.952 APR - 0 points - $1823 lender credit to reduce fees - $5067/mo payment (APR includes funding fee, can't remove it at this stage)”

“- FHA30fxd - 6.000% / 6.882 APR - 0 points - $1048 lender credit to reduce fees - $4758 /mo payment”

“- 30fxd - 6.625% / 7.632 APR - 0 points - $4994 /mo payment”

“- 30fxd - 5.875% / 5.905 APR - 0 points - $15 lender credit to reduce fees - $2958/mo payment”

“- VA30fxd - 6.5% / 6.591 - 0 points - $6618 /mo payment”

“- 30fxd - 6.875% / 6.889 APR - 0 points - $1600 lender credit to reduce fees - $6569/mo payment”

“- PHY30fxd - 6.5% / 6.528 APR - 0 points - $800 lender credit to reduce fees - $3160/mo payment”

“- PHY30fxd - 6.5% - 0 points - $1352 lender credit to reduce fees - $5341/mo payment”

“- 30fxd - 6.00% / 6.076 APR - 0 points - $1143 lender credit to reduce fees - $3033/mo payment”

“- 15fxd - 5.25% / 5.291 APR - 0 points - $2162/mo payment”

“- 15fxd - 6.00% - 0 points - $1228 lender credit to reduce fees - $5890 /mo payment”

“- 30fxd - 6.125% - 0 points - $242 lender credit to reduce fees - $6684/mo payment”

“- VA30fxd - 5.25% - 0 points - $2256 /mo payment”

“- 30fxd - 6.00% - 0 points - $1034 lender credit to reduce fees - $1948/mo payment (exclu PMI)”

“- 30fxd - 5.75% - 0 points - $1617 /mo payment”

“- 15fxd - 5.25% - 0 points - $4031 /mo payment”

“- 30fxd - 6.375% - 0 points - $2088 lender credit to reduce fees - $7486/mo payment”

“25% - 30fxd - 5.875% - 0 points - $3172 /mo payment”

“- 30fxd - 5.875% - 0 points - $4141 /mo payment”

“- 10ARM - 5.875% - 0 points - $1078 lender credit to reduce fees - $3987/mo payment”

“- 7ARM - 5.75% - 0 points - $1078 lender credit to reduce fees - $3933/mo payment”

“- 30fxd - 6.5% - 0 points - $1078 lender credit to reduce fees - $4260/mo payment”

“- 10ARM - 5.75% - 0 points - $589 lender credit to reduce fees - $2148 /mo payment”

“- 7ARM - 5.625% - 0 points - $589 lender credit to reduce fees - $2118/mo payment”

“- 30fxd - 6.375% - 0 points - $589 lender credit to reduce fees - $2296 /mo payment”

“- 30fxd - 5.375% - 0 points - $1180 lender credit to reduce fees - $2002 /mo payment”

“- 15fxd - 5.25% - 0 points - $34 lender credit to reduce fees - $2725 /mo payment”

“- 30fxd - 6.625 - 0 points - $115 lender credit to reduce fees - $2170 /mo payment”

“6.875% -> 5.625%, 0 points, 3.9k loan costs. 75% LTV, 32% DTI, 800+ credit score.”

“Rate locked at 5.875%, coming down from 7.375%.”

“I close today, 7.6% to 6.1%! 30-yr conventional, no points, will save me $400/month 😁”

“Currently going from 30 yr 7.49 to a 20yr 5.375 and saving money!”

“30yrfx 400k purchase contract 100k down 6.3% 800+ fico”

“- 30fxd - 6.00% - 0 points - $266 lender credit to reduce fees - $2698/mo payment”

“- 30fxd - 6.5% - 0 points - $1650 /mo payment”

“- 30fxd - 5.875% - 0 points - $1420 /mo payment”

“- 30fxd - 5.875% - 0 points - $4318/mo payment”

“- 30fxd - 6.375% - 0 points - $2071 /mo payment (w/o PMI)”

“I refinanced from 6.875% (original loan was $600k) to a 575k loan at 5.625%.”

“- 10ARM - 5.75% - 0 points - $3200 lender credit to reduce fees - $11671 /mo payment”

“- 7ARM - 5.625% - 0 points - $3200 lender credit to reduce fees - $11513 /mo payment”

“Just locked 30yr 5.625% with a credit at closing (so no closing costs) through Northpointe last week.”

“- 30fxd - 5.75% - 0 points - $2218 /mo payment”

“Going from 6.875 to 5.5 and also shaving 2 yrs off our remaining term. 3k refi cost.”

“I am currently refinancing 290k@6.675/30yr to 294k@5.325/20yr.”

“I went from 6.99 to 6.625 to 5.725 all in the span of 6 months lol.”

“I’m refinancing from 6.99% to 5.99% right now.”

“I bought a year and half ago. 30 year fixed was at 6.75%, but I got 5.75% on a 7/6 ARM. I just refinanced to 4.875% on a 5/6 ARM.”

“We got a quote from rocket at 5.875 involving buying 1.25 pts and our loan amount would total $305k after lumping closing costs and escrow fees into the loan.”

“Was at 7.1% and in the middle of my refi to 6.49%. This AM my LO called me and we switched banks and now locked in at 6.125%.”

“We close next month on VA and just locked at 4.875!”

“I locked in 5.3% this morning - from 6.99% - total closing cost is 6.3k”

“Just bought a new build. They offered 4.375% then bought it down even further to 4.25% and they covered all closing costs.”

“Was at 7.1% and in the middle of my refi to 6.49%. This AM my LO called me and we switched banks and now locked in at 6.125%.”

“My wife and I were at 7.125% and had only been in that loan for 14 months, we got down to 5.99% with no points.”

“I just refied last month. Bought 1.5 years ago at 7.5% because it was the house we wanted. Just closed 12/10 at 5.9%.”

“I mean, I just refinanced from 7% to 5.87% so no I don't think it's a scam.”

“Refinanced from a 6.625% in January to 5.875% last month with breakeven in 3-4 months.”

“- 10ARM - 5.75% - 0 points - $5147 lender credit - $5048 payment”

“- 7ARM - 5.625% - 0 points - $4723 lender credit - $4979 payment”

“- 5ARM - 5.5% - 0 points - $4723 lender credit - $4911 payment”

“- VA30fxd - 5.375% - 0 points - $4004 payment”

“- 30fxd - 6.125% - 0 points - $2260 payment”

“- 30fxd - 6.00% - 0 points - $3417 payment”

“I got a similar deal with Pennymac recently. They ate the points to match my ctedit union at 5.62 on a 30 year and $3k cheaper closing coats.”

“Better: 5.5% & 0.83 / $2,360 in points”

“PennyMac: 5.125% & 0.0 / $0 in points (negotiated to stay on as customer”