Real Experiences

“**30 Year Fxd** **Rate:** 6.5%”

“**PHY30Fxd** **Rate:** 6.875%”

“**PHY10ARM** **Rate:** 6.25%”

“**PHY7ARM** **Rate:** 6.000%”

“**15 Year Fxd** **Rate:** 5.875%”

“Based on your scenario: **30 Year Fxd** **Rate:** 6.625%”

“I got a <6 rate at 0 points, but I locked at the beginning of May. If you started looking in the past 10 days, I believe the rates were really bad. I closed at 5.625% at 0 points, and I referred my friend to the same broker.”

“This pretty much sums it. New build buyer here, closing with a 5.49 but 4.5 for the first year.”

“**FHA 30 Fxd** **Rate:** 6.25%”

“**30 Year Fxd** **Rate:** 7.00%”

“I locked in 4/28 at 5.75 and I could not Docusign fast enough.”

“I bought at 7.125% in 2024 and refi'd at 5.99% when the rates dipped briefly at the beginning of this year.”

“We're at 6.857%, so 5.625% is a drop of 1.232% from where we are currently.”

“Based on your scenario: **30Fxd** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 7.125%”

“I was at a 7.25, and just got done refinancing to a 5.1% thru a local credit union 🙌🏻 saving $500 a month.”

“The current loan estimate is showing 5.625% (based on my credit score of 723), and they calculate rates daily.”

“Based on your scenario: **30 Year Fixed** **Rate:** 6.75%”

“**30 Year Fixed** **Rate:** 6.625%”

“560k loan, interest rate 5.99, buy down 16k for 4.99 or 21k for 4.75.”

“Buying our second home after selling our first back in February. Last Friday the rate was at 6.6% for us. We locked in yesterday at 6.8%.”

“**PHY10 ARM** **Rate:** 6.125%”

“**PHY7ARM** **Rate:** 5.875%”

“**30 Year Fixed** **Rate:** 6.75%”

“**30 Year Fixed** **Rate:** 6.75%”

“**20 Year Fixed** **Rate:** 6.5%”

“**15 Year Fixed** **Rate:** 6.125%”

“30 Year Fixed Rate: 6.625%”

“Based on your scenario (10yr Cash-out): **30 Year Fixed** **Rate:** 6.000%”

“Based on your scenario (20% down): **30 Year Fixed** **Rate:** 6.625%”

“PHY7ARM Rate: 6.000%”

“Lender 1 - 5.99% with first 12 months at 4.99% Lender 2 - offered 5.99% but changed 5.625% using some sort of origination fee credit to lower rate after I told him about first offer.”

“Lender 1 - 5.99% with first 12 months at 4.99% Lender 2 - offered 5.99% but changed 5.625% using some sort of origination fee credit to lower rate after I told him about first offer.”

“**30 Year Fixed** **Rate:** 6.5%”

“**VA30 Year Fixed** **Rate:** 6.125%”

“Based on your scenario: **VA30 Year Fixed** **Rate:** 5.75%”

“**30 Year Fixed** **Rate:** 6.875%”

“I got a conventional loan two weeks ago with a rate of 5.25% using a FTHB program offered by my state.”

“Just closed at 5.375% on an FHA loan with 10% down. We bought points but it would have been 5.9% without buying points.”

“Just closed at 5.375% on an FHA loan with 10% down. We bought points but it would have been 5.9% without buying points.”

“**VA30 Year Fixed** **Rate:** 5.5%”

“**30 Year Fixed** **Rate:** 6.25%”

“30 Year Fixed Rate: 6.375%”

“**Rate:** 6.25%”

“**15 Year Fixed** **Rate:** 6.5%”

“**15 Year Fixed** **Rate:** 5.625%”

“**PHY7ARM** **Rate:** 5.875%”

“**PHY30Fxd** **Rate:** 6.75%”

“**30 Year Fixed** **Rate:** 6.375% **APR:** 6.406%”

“**PHY10ARM** **Rate:** 6.125%”

“**30 Year Fixed** **Rate:** 5.5%”

“**30 Year Fixed** **Rate:** 6.375% **APR:** 6.400%”

“**VA30 Year Fixed** **Rate:** 5.5%”

“**30 Year Fixed** **Rate:** 6.375% **APR:** 6.671%”

“**15 Year Fixed** **Rate:** 5.625% **APR:** 5.7147.449%”

“**30 Year Fixed** **Rate:** 6.125%”

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

“**30 Year Fixed** **Rate:** 6.25%”

“**MP7ARM** **Rate:** 5.75%”

“**30 Year Fixed** **Rate:** 6.5%”

“**30 Year Fixed** **Rate:** 6.625%”

“**20 Year Fixed** **Rate:** 6.375%”

“**Conv 30 Year Fixed (No PMI)** **Rate:** 6.75%”

“**FHA 30 Year Fixed (PMI)** **Rate:** 5.75%”

“**30 Year Fixed** **Rate:** 6.625% **APR:** 6.834%”

“**30 Year Fixed** **Rate:** 6.375% **APR:** 6.585%”

“**30 Year Fixed** **Rate:** 6.25%”

“**30 Year Fixed** **Rate:** 6.375%”

“**30FXD** **Rate:** 6.875%”

“**VA IRRRL 30 Year Fixed** **Rate:** 6.000%”

“**15 Year Fixed** **Rate:** 5.625%”

“**30 Year Fixed** **Rate:** 6.25%”

“Closing on a house currently. Got $10k under list, $5k closing credit, and they have to do a new roof before closing. 6.375 rate with 10% down.”

“I am learning this the hard way. Comps don’t mean shit. Also, very market dependent. I am in Twin Cities, and we have not had seller credits for some time now. Rates are about 6.25% - 6.5% for most, and we get outbid by a lot very often.”

“Homes in my neighborhood sell for roughly $1.3 million. These are 1,700 SF single family homes on a 6,000 SF lot. The mortgage on a home with 20% down at 6.00% is $7,500 a month.”

“**30 Year Fixed** **Rate:** 7.25%”

“**30 Year Fixed** **Rate:** 7.375%”

“**30 Year Fixed** **Rate:** 6.375%”

“**PHY7ARM** **Rate:** 5.75%”

“**PHY10ARM** **Rate:** 6.000%”

“**PHY30Fxd** **Rate:** 6.625%”

“I’m offered with FHA 5/1 ARM for 4.99 rate, estimated closing costs is nearly $20K, and this will reduce my monthly payment from $180 to $280 for the first 60 months.”