Real Experiences

“- 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.”