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UTPhil2006

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Posts posted by UTPhil2006

  1. 4 minutes ago, Steel Shank said:

    We're at 64% LTV, 3.50% (30 yr) and both w/ excellent credit scores. Plan to be here a while. Any chance of improving on the rate? A 15 yr maybe? 

    That's pretty solid.  If 30's got down to 3.0 or you were open to buying points to get it there it might work, but would probably need to be 3.0% on a 30 for it to make it worth your while.  You can email me at the email address a couple posts up if you want me to take a look at costs to get to 3.0

  2. 8 minutes ago, JesusSweatDuck said:

    Can someone point me to a broker or bank that will return my calls? I have 3 houses I would like to refi (primary and 2 rentals) but can't get anyone to respond

    Have you reached out to me?  Can't think of anyone we've missed over the last couple weeks, but if I have I apologize.  You can email me if we havent spoke though - pdubord@prodigymbo.com

  3. 2 hours ago, Wulaw Horn said:

    So, Mr. Cooper looks like it's blowing up- not accepting any new loans... 

    Never liked those guys all that much but don't need to take any more capacity out of the market right now.

     

    Saw an email from them saying something about making sure to lock by 9pm.  Never have had to use them for anything, I think maybe one of our team members used them once, so not a real game changer for us.

  4. 1 hour ago, MonkeyDoughnut said:

    If you haven't tried some of the local credit unions, they were easily beating the bigger bank offers I saw.

    I went with TDECU, locked two weeks ago on the dip and rates are back down in that area. I got a 15yr cash out refi @ 2.75

    They have also been way, way more responsive that trying to refi with my current bank. I applied with Wells Fargo 3 weeks ago and have only gotten email that they will call me.... no other contact (20+ year Wells customer)

    https://www.tdecu.org/rates/

    Ya Wells Fargo, etc lenders haven't before, and likely still don't care enough.  Just a number in a system to them.

  5. 38 minutes ago, horncyclist said:

    Things are moving along with my 3.625 cash out refi. Broker I had reached out to before locking and then took a week to get back to me thinks rates will go lower. I'm in underwriting and already did an appraisal. I shouldn't even bother right? There's no telling what's going to happen, no? I also had an assurance from the lender that if rates are lower after I'm approved they could float down. 

     

    Yeah no real reason to go back to broker

  6. 11 hours ago, Gil Bang said:

    I've got exactly 1 deal in escrow.  The other agent (he's got the buyer) has been in the business 60 years.  

    60 years.

    He's convinced that rates will go down into the 1's in the next month.  He spent several minutes telling me that.   I asked him if he wanted to wager our commission on this deal.  He declined.  

    I just don't see any way that happens.  And like I've been telling people, if it does get that far down for whatever reason, your home loan/refi will be the least of your concerns

    • Like 1
  7. Dow up 1300, 10 year down .05.  One of our lenders today went to you can only lock only once you're out of Underwriting, which i suspect from some of the lower level outfits, become somewhat of a trend.  I don't like it, but I'm guessing they got filled up on all they could handle last week when they were considerably lower than everyone else, so this is their way of stifling future loans for the time being. 

    Such is the new norm for now, juggling lenders and who can handle it/offer the best rate.

    • Like 1
  8. 17 minutes ago, Player said:

    No, according to my ticket rep they aren't finished yet. I guess maybe they either took their foot off the gas when the season was officially delayed, or they have run into material or labor issues. 

    I was there for the Texas-LSU game, and it looked like they still had quite a ways to go. 

    Maybe whatever I saw last week somewhere was a mock up.

    Also, if you want to buy me a go pro I'll attach it to my hat and wander around the blocks around MMP for you if you're that in need of a MMP live feed.  Probably will catch my arrest on it too for loitering

  9. 7 minutes ago, Player said:

    Y'all laugh, but I asked my season ticket rep yesterday if we could get live feeds set up to watch the ongoing renovations in LF and RF. 

    I'd watch anything happening at MMP at this point. 

     

    Pretty sure they're done aren't they?

  10. 51 minutes ago, Ichabod said:

    You would think that even with a 6:10 PM start there would be more people in EADO right now. It's like a ghost town down here.

    Lofts at the Ballpark Bar is boomin.  @Mez2 little brother just threw up from pounding 4 White claws in a row.  Gonna get him some food at Home Plate before we head in before the national anthem

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