Real Experiences

What rates are people actually getting? Unfiltered stories from December 2025.

Showing 9 results

5.75%

RefiARM 10/1

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

Dec 31, 2025Reddit

5.625%

RefiARM 7/1

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

Dec 31, 2025Reddit

5.5%

RefiARM 5/1

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

Dec 31, 2025Reddit

5.375%

PurchaseVA

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

Dec 30, 2025Reddit

6.125%

Purchase30-yr fixed

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

Dec 29, 2025Reddit

Purchase30-yr fixed

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

Dec 24, 2025Reddit

5.62%

Refi30-yr fixedPennyMac

“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.”

Dec 21, 2025Reddit

5.5%

Refi15-yr fixedBetter

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

Dec 21, 2025Reddit

5.125%

Refi15-yr fixedPennyMac

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

Dec 21, 2025Reddit