Real Experiences

“**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%”