Real Experiences

“**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%”