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07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)

5,048 1,724 July 4, 2020 at 01:27 PM in Free Shipping (6)
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Last Edited by shahhere July 26, 2021 at 06:35 AM
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Details on how to understand the Mortgage basics and information that I understand for your learning can be accessed on this post (Click this hyperlink to go to the post); If you are new to this process and have questions this is a Must Read before asking question on the forum!


Reviving my over a decade old thread from SD and FW as the rates have gotten competitive. This thread is a SD community thread to compare and post best rates received along with their lender experience for a quick compare and estimation from a starting point.


Please note that rates will vary on quite a few factors and just because one person has a rate will not guarantee you will receive the same rate but simply use this as a guide and negotiation tactic.

All below rates are based on assumptions of certain LTV, DTI, & Excellent Credit Scores:

30 Year Fixed best rates (Assuming Good Credit & 20% down, low LTV, low DTI, etc etc):
All listed lenders are here because I shopped them and have encountered competitive pricing and not because I get any sort of a kickback....use this as a gauge for the latest but note that things can change week to week, day to day and even hour to hour:

07/14/2021 2.875% Better.com- Will consider Lender Match to beat Competitors and combine with Amex cashback (Click here for additional Forum thread details). Amex's "Digital Assist" Team @ 800-297-7500

07/14/2021 2.875% LoanDepot.com - Is competitive but works better if you have another offer for them. My LO Luke Dean
[email protected] 949-652-4521

07/14/2021 BSMFunding (David Pressel) - Call to get the latest rates (no published online). Very competitive rates; get everything in writing via email!
https://bsmfunding.mymortgage-onl...essel.html
David Pressel (NMLS: 562175)- Branch Manager - Phone: 908-208-2036
[email protected]
07/14/2021 2.5% LoanCabin [loancabin.com] - Most Competitive but refinance times have grow to almost 6 months for many people so proceed with caution as recent reviews indicate normal 1 month closing. Generally do not charge for big Lender Fees (A+B on LE) as they are under $100 in most cases; esp if appraisal is waived for your scenario.

07/14/2021 3% LenderFi - Competitive but might be slow and not work on beating other lender rates.
30 Year Fixed Jumbo Best Rates (Assuming Good Credit & 20% down):
TBD
15 year Fixed:
07/14/2021 2.0 % Better.com; matches Bankrate rates for themselves.
07/04/2020 2.5% NIH Credit Union with Lender Credit
Title Company Comparisions:
RadianTitleDirect.com - OP has used them for almost a decade with getting best rates (closed after Covid, Lender must submit order as consumer side is closed).
ALTTitle.com
https://www.valerotitle.com/ - Texas only.
Alphabetical list of other lenders (some could be non-proven without direct member experiences posted here):
  1. AimLoan - Will provide LE without hard pull if credit is frozen https://www.aimloan.com/
  2. Amerisave - will give you scores from all 3 bureaus with just a soft pull https://www.amerisave.com/
  3. Better.com https://better.com/
  4. BoxHomeLoans https://www.boxhomeloans.com/
  5. Close Your Own Loan https://www.closeyourownloan.com/...sults.aspx
  6. Colonial Mort http://www.colonialmort.com/
  7. HighTechLending http://www.hightechlending.co/Default.aspx
  8. Interactive Mortgage https://interactivemortgage.com/ Eric from IM is super rude so good luck dealing with this guy!
  9. LenderFi https://www.lenderfi.com [lenderfi.com]if the link wont work try this backend link: https://app.lenderfi.com/app/sign...r/lenderfi
  10. Loan Cabin https://www.loancabin.com/
  11. Loan Depot https://www.loandepot.com/
  12. LoanLock https://www.loanlock.com/
  13. NavyFederal CU https://www.navyfederal.org/
  14. NIH credit union (Delware, District of Columbia, Maryland, North Carolina, Pennsylvania, Virginia, West Virginia) https://www.nihfcu.org/
  15. Northpointe Bank https://www.northpointe.com/
  16. Owning.com (Operates only in CA) https://owning.com/
  17. Pentagon Federal CU https://www.penfed.org/
  18. Provident Funding - will give LE without locking rate https://www.provident.com/
  19. RatePlus (California) https://www.rateplus.com/
  20. Travis Credit Union (12 North Cal Counties only) https://www.traviscu.org/ Eligibility traviscu.org
  21. United wholesale mortgages https://www.uwm.com/
  22. Watermark Home Loans https://www.watermarkhomeloans.com/
  23. West Coast Mortgage Associates (The loan broker is in So.Cal. Debbie Morgan) https://wcmtg.com/


Shahhere

Old Thread - https://slickdeals.net/e/1223863-03-06-2009-best-mortgage-rates-from-big-reputable-lenders-30year-5-15year-5-arm-s-etc
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Last Edited by RiversofWisdom August 18, 2021 at 03:12 PM
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Quote from MeAPhool :
I think a lot of people get confused with regards to "no closing cost". Specifically I think that is with regards to A+B+C (as referenced in this post by volcomssj48 - https://slickdeals.net/forums/showpost.php?p=138543920&postcount=138)

As per volcomssj48, this is a good place to go for a basic understanding of the LE (Loan Estimate) that should be provided to you by each lender once you give all of your information: https://www.consumerfinance.gov/o...-estimate/

I'm in NJ so I can't really shop Title Insurance much as it's the cost is regulated by the state, however in other states, you can really cut down some of the costs in section "C".
Good site for daily mortgage news. Subscribe to their daily mortgage rate news to learn about their predictions. Also take a look at the rest of their site.
http://www.mortgagenewsdaily.com/...age_rates/



Potential Lenders - Mentioned in Thread
*Please add to this list and add locality if applicable*
  1. Loan Cabin https://www.loancabin.com/
  2. Better.com https://better.com/
  3. Interactive Mortgage https://interactivemortgage.com/
  4. LenderFi https://www.lenderfi.com/
  5. owning.com (Operates only in CA) https://owning.com/
  6. NIH credit union (Delware, District of Columbia, Maryland, North Carolina, Pennsylvania, Virginia, West Virginia) https://www.nihfcu.org/
  7. Loan Depot https://www.loandepot.com/
  8. Travis Credit Union (12 North Cal Counties only) https://www.traviscu.org/ Eligibility [traviscu.org]
  9. Pentagon Federal CU https://www.penfed.org/
  10. Interactive Mortgage https://interactivemortgage.com/
  11. NavyFederal CU https://www.navyfederal.org/
  12. United wholesale mortgages https://www.uwm.com/
  13. BoxHomeLoans https://www.boxhomeloans.com/
  14. LoanLock https://www.loanlock.com/
  15. West Coast Mortgage Associates (The loan broker is in So.Cal. Debbie Morgan) https://wcmtg.com/
  16. RatePlus (California) https://www.rateplus.com/
  17. Northpointe Bank https://www.northpointe.com/
  18. HighTechLending https://hightechlending.mortgagewebcenter.com/
  19. Close Your Own Loan https://www.closeyourownloan.com/...sults.aspx
  20. AimLoan - will give LE without hard pull if credit is frozen https://www.aimloan.com/
  21. Amerisave - will give you scores from all 3 bureaus with just a soft pull
    https://www.amerisave.com/
  22. Provident - will give LE without locking rate https://www.provident.com/ Best Credit Back with 60% LTV or better.
  23. Watermark Home Loans https://www.watermarkhomeloans.com/ Skip these guys. They are being rude to Slickdealers. In one occasion they have explicitly said they don't want to do business with people from Slickdeals. They also have an approach where they give you the best rate initially and just raise it more each time you ask.
  24. Colonial Mort http://www.colonialmort.com/
  25. Annie Mac https://www.annie-mac.com/ Licensed in these states https://www.annie-mac.com/page/licensed-states/
  26. Rate Rabbit https://www.raterabbit.com/ Licensed in MA and others [raterabbit.com]

Discount lenders who DO NOT accept fully documented in tax returns self-employment income:
Owning.com
BoxHomeLoans
Lower.com

Discount Lenders that DO accept fully documented in tax returns self-employment income:
Sebonic
Caliber
Sage

Title Company Shopping
AltTitle.com
mytitlegenius.com (formerly entitle direct)
TO AVOID - Settlement LTD (local Pittsburgh run away from them - high cost, very bad service, lot of delays)


Feel Free to Add Sections for Each Lender - MeAPhool

Loan Cabin - DetailsWARNING. DO NOT GO WITH LOAN CABIN. TRUST ME.
I would have lost the home if i was trying to buy a house.
I just had a normal refi and it took then 127 days to close. out of the 27 emails i sent, they responded to 3. I even had to call (complain) their main office 2 times to get a response to any emails. they screwed the closing paperwork as well.


Loan Cabin does not charge lender fees. Actually all of this is in their FAQ but of course nobody reads anything and wants everything spoon fed.

This means A+B (reference the link above in the wiki regarding Loan Estimate) in the Loan Estimate should be 0 (as long as your appraisal is waived).

You will be responsible for Title Cost (of course you can shop that to your heart's delight)
You will be responsible for Recording Fee in your county
You will be responsible for Escrows (if you so choose OR if you are close to Homeowner's OR Property Tax payment - though you can negotiate and show evidence to get it waived. Most lender's will waive it if you are choosing not to escrow and you can show proof that you paid the upcoming Property Tax or Homeowner's Insurance)

You will be responsible for Prepaid Interest (this isn't a cost. If you didn't refinance, you'd be paying the interest at your current mortgage rate which I assume would be higher).

Lender Credit - If this covers A+B+C+E then you have a no-cost refinance. If you have a surplus aside from A+B+C+E, then technically you made money on your refinance.


If you apply and do no hear back for 3 days, then on the 3rd business day, reach out to [email protected]. They will usually help get a response on your application within a day.



If the information in this WIKI does not cover your questions, then please ask. We will answer and update WIKI accordingly.

Thanks - MeAPhool

Quote from arouncoumar :
For those needing clarity on LC closing costs, I was on the same boat. See what they charge here https://www.dropbox.com/s/r30ecea...t.png?dl=0
Quote from PeterLegend :
Here is a photo of my loan estimate from Loan Cabin, my lender credits should be closer to 3K based on my initial conversations with Bob so i'm following up with him on that.

I do see title insurance in my estimate. I reached out to Owning but I didn't quality for the no cost refinance option since my LTV was 73%, it has to be 50% or lower when I spoke to them.

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PeterLegend
11-13-2020 at 07:32 AM.
11-13-2020 at 07:32 AM.
Quote from araknis :
Congrats on almost reaching the finish line. Did Bob ever mention a "final audit approval" step after the "conditional underwriting approval" step? He told me weeks ago on the phone that I already received the conditional underwriting approval, but I never received any written communication afterwards or any additional request for documents. He keeps mentioning a "final audit approval" before we can talk about a closing date. My title cleared 2 weeks ago so I'm not sure what else can be holding up the process.
Hey araknis,

Speaking with Bob, he never mentioned a "final audit approval" yet but we'll see what he says on Tuesday afternoon...
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PeterLegend
11-13-2020 at 07:35 AM.
11-13-2020 at 07:35 AM.
Quote from MeAPhool :
Congrats! I am almost there too. I got my preliminary closing documents and asked for some corrections. I am supposed to close next week (fingers crossed). If I close, it will be 118 days (or 80 business days excluding holidays and weekends) from application to close.

If closing doc's get corrected as I expect I get my prepaid interest covered and another 1K or so back. It's been a "long long" process, but at the end of the day I'll be happy with the rate. I didn't hear back about the 1-time float-down yet so that would be the icing on the cake.
That's great, hopefully it goes through smoothly for you.

Yeah my closing docs need to show $3,162 in lender credits so I'm anxious to see if they fixed it from the initial disclosures... I should have leftover lender credit I can use on the principal.​
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PeterLegend
11-13-2020 at 07:36 AM.
11-13-2020 at 07:36 AM.
Quote from jimmyrules712 :
Man I am beyond frustrated with LC and your posts just make it worse. I'm over 100 days into my refinance since locking and every time I ask for an update all they keep telling me is "you're in the underwriting queue".
Sorry bud, I hope you close soon. Have you been calling, texting and emailing? I'd be hooting and hollering if I had been waiting that long!
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marsgamer
11-13-2020 at 07:42 AM.
11-13-2020 at 07:42 AM.
Quote from scottman :
Never heard of spruce, but many loans have a 1 year occupancy requirement. I think it would be in your Deed of Trust document.
Thanks I was able to find the Deed of Trust document.
It says "Occupany : Continue to occupy the Property as Borrowers principal residence for atleast one year after the date of occupany, unless Lender agrees otherwise in writing"

Does this mean I can't rent out?
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MeAPhool
11-13-2020 at 09:44 AM.
11-13-2020 at 09:44 AM.
Quote from jimmyrules712 :
Man I am beyond frustrated with LC and your posts just make it worse. I'm over 100 days into my refinance since locking and every time I ask for an update all they keep telling me is "you're in the underwriting queue".
Jimmy it is extremely frustrating. I don't know if it helped my case, but I kept uploading all my updated paystubs, bank account statements, and proof of property tax payment, etc. as new items of each became available during the wait. In addition, every-time I uploaded the document I sent an email to my loan processor letting them know.

Good luck and hang in there. I am about to close and I agree it was a really long wait. Financially I shouldn't have been so loyal and I should have price matched and closed with another competitor as I could have always kept my loan with Loan Cabin and just did a 2nd refinance with them.

At the end of the day, I'm still happy because I'm getting a great rate and saving tons of money in the process (although there was 2 months of higher interest that I paid during the wait).
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MeAPhool
11-13-2020 at 10:08 AM.
11-13-2020 at 10:08 AM.
Quote from marsgamer :
Questions:
2. What if I go with option of selling my refinanced property is that an issue, didn't see anything in a clause in closing documents.
3. Score is 750. Home price is 670k and doing a 20% down so looking for a jumbo loan any suggestions?
The property is your asset, you can sell anytime you want. However, you have to pay off the loan in full. As long as you are not underwater and can payoff the refinanced loan, that is always an option.

I don't know your situation, but I'll let others in the forum suggest lenders for jumbos. It would help if you could provide a state as not all lenders are licensed for all states. I assume you are not in a state with a higher conforming mortgage limit (if so, then 80% of 670K would still be conforming)

If possible, could you delay the purchase of your new home until you have enough deposit to only require a conforming loan? It is tricky as interest rates may rise of the Covid Vaccine is deemed successful and the economy starts to recover.


Quote from marsgamer :
Thanks I was able to find the Deed of Trust document.
It says "Occupany : Continue to occupy the Property as Borrowers principal residence for atleast one year after the date of occupany, unless Lender agrees otherwise in writing"

Does this mean I can't rent out?

At the time of your loan it was your primary residence and you had full intention of it being your primary residence. Of course at some point in the future that can change.

What you need to check the fine print if you break this occupancy clause. I read that it's uncommon but banks could do an occupancy check. If they find you are not living there, they could levy a payment penalty.

In a black box, you have 2 options:

1) Rent it out and not worry about it.
2) Ask your lender - but they may say no, or may assess a penalty of some kind. They may say yes and assess a fee. They may say yes with no penalty. I assume you would only be happy in 1 of those 4 situations.

Also, keeping the refinanced loan will impact the package you are getting for your new loan as your monthly payment for your refinanced loan will be part of your DTI ratio.
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scottman
11-13-2020 at 11:17 AM.
11-13-2020 at 11:17 AM.
Quote from marsgamer :
Thanks I was able to find the Deed of Trust document.
It says "Occupany : Continue to occupy the Property as Borrowers principal residence for atleast one year after the date of occupany, unless Lender agrees otherwise in writing"

Does this mean I can't rent out?
Yes, that specifically means you need to live there as your primary residence for one year. Your rate and costs would likely have been different if you didn't say it was going to be a primary residence. It's up to the lender whether they find out and consider it mortgage fraud if you rent it out. As someone said, you can check with them. They may not care or they might care a lot. I don't know what the penalties would be, but could be anything from change in mortgage terms to foreclosing or up to jail time if they want to be really severe, although unlikely.
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marsgamer
11-13-2020 at 01:47 PM.
11-13-2020 at 01:47 PM.
Quote from MeAPhool :
The property is your asset, you can sell anytime you want. However, you have to pay off the loan in full. As long as you are not underwater and can payoff the refinanced loan, that is always an option.

I don't know your situation, but I'll let others in the forum suggest lenders for jumbos. It would help if you could provide a state as not all lenders are licensed for all states. I assume you are not in a state with a higher conforming mortgage limit (if so, then 80% of 670K would still be conforming)

If possible, could you delay the purchase of your new home until you have enough deposit to only require a conforming loan? It is tricky as interest rates may rise of the Covid Vaccine is deemed successful and the economy starts to recover.





At the time of your loan it was your primary residence and you had full intention of it being your primary residence. Of course at some point in the future that can change.

What you need to check the fine print if you break this occupancy clause. I read that it's uncommon but banks could do an occupancy check. If they find you are not living there, they could levy a payment penalty.

In a black box, you have 2 options:

1) Rent it out and not worry about it.
2) Ask your lender - but they may say no, or may assess a penalty of some kind. They may say yes and assess a fee. They may say yes with no penalty. I assume you would only be happy in 1 of those 4 situations.

Also, keeping the refinanced loan will impact the package you are getting for your new loan as your monthly payment for your refinanced loan will be part of your DTI ratio.
I spoke to my title insurance and they told me if you rent it out that's not an issue as long as the mortgage payments are made to the lender(Better Mortgage in my case) and that is what they look at and told me not to even tell my lender that I am renting it out because they are not going to find out any'z. This is just her opinion. I don't want to bring this to the attention of my lender so will go this route, I am sure there are lot of people who are renting out.

Regarding loan on my new house for 670k, I will go with conventional loan which I can get max upto 510k. Rest I am doing a down payment that way I am getting a good rate and not worry about jumbo loans.

Quote from scottman :
Yes, that specifically means you need to live there as your primary residence for one year. Your rate and costs would likely have been different if you didn't say it was going to be a primary residence. It's up to the lender whether they find out and consider it mortgage fraud if you rent it out. As someone said, you can check with them. They may not care or they might care a lot. I don't know what the penalties would be, but could be anything from change in mortgage terms to foreclosing or up to jail time if they want to be really severe, although unlikely.
Have there been cases where they have put in a penalty or jail time ? I have never heard about it by talking to my friends but want to know.

Thanks
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Last edited by marsgamer November 13, 2020 at 02:10 PM.
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Voozi
11-13-2020 at 01:49 PM.
11-13-2020 at 01:49 PM.
Posting my updated LC timeline...

9/4 - Applied
9/9 - LC reached out, and I submitted all requested paperwork
9/19 - Application sent to processing
10/12 - Application submitted to Underwriting
11/6 - Appraisal company called me
11/13 - Completed home appraisal

Current ETA is in about a week I'll have the appraisal report and hopefully by end of November or early December I'll close. They'll also review float down options with me as well once we're within 15 days of closing.
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MeAPhool
11-13-2020 at 02:43 PM.
11-13-2020 at 02:43 PM.
Quote from marsgamer :
I spoke to my title insurance and they told me if you rent it out that's not an issue as long as the mortgage payments are made to the lender and that is what they look at and told me not to even tell my lender that I am renting it out because they are not going to find out any'z. This is just her opinion. I don't want to bring this to the attention of my lender so will go this route, I am sure there are lot of people who are renting out.

Regarding loan on my new house for 670k, I will go with conventional loan which I can get max upto 510k. Rest I am doing a down payment that way I am getting a good rate and not worry about jumbo loans.



Have there been cases where they have put in a penalty or jail time ? I have never heard about it by talking to my friends but want to know.

Thanks
Remember there are a lot of ways for a bank to check occupancy (tax return, renter's insurance, mobile phone gps tracking, just to name a few). The following two posts talk about how banks can catch you and the consequences.

https://www.biggerpockets.com/for...-occupancy

From GustanCho group (dba of Loan Cabin) who explains why not to commit occupancy fraud: https://gustancho.com/occupancy-fraud

At the end of the day you might be perfectly fine, but if you get caught, you'll have to deal with the consequences.
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PeterLegend
11-13-2020 at 02:45 PM.
11-13-2020 at 02:45 PM.
I have another Loan Cabin Update today and it's pretty crazy.

Apparently my home will need a 1004D appraisal, it's a drive by appraisal to see if there is any fire damage (There is no damage lol) because FEMA designated my area as area that is susceptible to Wild fires. I live in Rowland Heights, CA.

I just spoke to Bob and he will get to the bottom of this but there's nothing for me to do on my end at the point, hoping this doesn't cause a delay. This rollercoaster never stops, i'm ready to get off UGH!!!

https://www.fema.gov/disaster/4569
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scorpion9
11-13-2020 at 05:28 PM.
11-13-2020 at 05:28 PM.
Any lender recommendation for VA refinance loan 30 year, approx. 425K, 0 POINTS, preferably credits to compensate for fees (no lender fees A+B). Would like to close in 30-45 days.
Have good equity in home so would like to get HELOC too. Any VA lender doing both?

loan cabin seems to be good but not serving VA Frown
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Last edited by scorpion9 November 13, 2020 at 06:53 PM.
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holycow1
11-13-2020 at 06:56 PM.
11-13-2020 at 06:56 PM.
Loan funded by LD today (located in VA). 51 days from application date at 2.5% for a 30 year at 69% LTV. $1.6k in net lender fees. People that are doing LC and waiting 100+ days... Factor in the loss that you're experiencing in paying higher interest for 45 days+ compared to other lenders. I don't think the math works out to make LC worth it, especially if you plan to refi again in 2-3 years.
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RobotsRock
11-13-2020 at 08:46 PM.
11-13-2020 at 08:46 PM.
Quote from scorpion9 :
Any lender recommendation for VA refinance loan 30 year, approx. 425K, 0 POINTS, preferably credits to compensate for fees (no lender fees A+B). Would like to close in 30-45 days.
Have good equity in home so would like to get HELOC too. Any VA lender doing both?

loan cabin seems to be good but not serving VA Frown

LenderFi was the best I could find after negotiating. 2.5% 30-year with $2600 lender credit to offset all closing costs, no escrow.
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Selva_SD
11-13-2020 at 10:11 PM.
11-13-2020 at 10:11 PM.
I'm trying to refinance and for the amount of 95k.. tried calling most finance people with no response back since the amount is low or i get a higher interest rate like 3.25 for 30 years.. i called a cu who gave me 2.5 but they charge 2500 flat fee for closing.. currently I'm in 7 year ARM ending 2022 with 3% interest.. what should i do now?
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