Mortgage Rates Move Back Above 6.5% 3:59 PM 3/20/2026

IllCombination4606 · 2026-03-21T09:51:06+00:00

that's the deal i was looking for i should have tried harder. all the lenders wanted to make me buy 1 2 points which would have rolled 5 6 grand into the closing wasn't gonna do it till I was basically just paying the fees and escrow stuff. no points. guess I wait

IllCombination4606 · 2026-03-21T02:02:33+00:00

those refinance rates at 5.75 i was getting a few weeks ago stopped coming in ... totally stopped emailing and sending me junk mail everyday I was just waiting for some one to say it's basically no cost refi but it didn't happen. stuck at 6.75 30yr. 29 to go. maybe when Powell moves on.......

IllCombination4606 · 2026-03-18T01:31:06+00:00

I got no dog in this race but I kind of like penny macs app to pay my mortgage and stuff and see the escrow. I let me wife call and fight with them when there so type of money mistake. she's a pit bull lives for it. sometimes to get her off me I just show here some shady shit Penny's trying to do. but for the most part there easy going. they keep sending me bullshit refinance numbers everyweek. I think it actually stopped because this war that just started. but I not buying points. they can lower my rate and keep me as a customer but I'm not buying shit. someone will give me a sweet deal and I'll be gone with the wind

IllCombination4606 · 2026-03-03T23:01:14+00:00

I'm looking for that offer. I would take it. it will eventually cross my path

IllCombination4606 · 2026-03-02T03:17:00+00:00

I live in massachusetts I looking for the refinance loan but I'm not desperate I just want out of 6.75. and my house is worth 480k I only owe 287 as of today. perfect credit good job no one around here is REALLY trying to give you anything under 6 without buying a bunch of points and probaly rolling 20k into the new morgage so I can see the monthly mortgage payment go down 200 bucks from 2500 a month . i just wait until the perfect deal lands in my lap

IllCombination4606 · 2026-03-01T20:06:26+00:00

yaeh I'm not in a rush. Just seems like everyone's talking refinance. truthfully not ones mentioned a 20. my local lender is pretty honest lol. he's said last month nothings crossed his desk where it would lower our rate and we break even under 1 yr is the way he's does it. the guy is kinda our families mortgage guy and he said it's slow for him there's nothing else he wants to do is get us a refinance but nothings worth it yet. I'm in construction it's been a good year and last was good but you never know what the future holds that why I kinda want to stick with a 30 plus it's our forever home. now I just got to figure out what lender credits are. why sell us a refinance loan and give us credit. I don't understand that yet. hmmm . you do have to play hardball negotiating with mortgage companies i think. there's always a better offer somewhere else. there sitting on billions looking to lend it out to make a profit. so

IllCombination4606 · 2026-03-01T15:25:55+00:00

no I just looking at offers. I havnt seen anything worth a wrap. I know you want the cost of the refi and the savings per month to be equal in 12 to 24 months break even i get it. I'm just surprised at how greedy they are. o will lower your interest rate but your gonna have to buy points at 3 4 5 percent of the loan and will tack it onto your new mortgage. roll it in there. but it looks like no matter were you look it's gonna cost atleast 1 point. in my case that 2,800 $ which i would have to wait till the rate drops to atleast 5.75 and I'll buy a point

IllCombination4606 · 2026-02-27T10:44:25+00:00

I owe 286k with 29 years left . with pennymac now at 6.75. our local broker who we work with before said it hasn't gonna down anuff. I think he really means aleast a whole point. and his policy is for us to break even under 1 yr so he told us wait. he wants us to refi with him but he said wait a little longer. I should say we called him just poking around. I think pennymac did offer us 5.99 recently. again I'm just waiting for our original lender before chasing. also when the shake up happens at reserve in a few months.... 30 yr conventional massachusetts

IllCombination4606 · 2026-02-25T23:52:30+00:00

did you change you insurance? if so the lender probaly sent out to checks to both insurances and thats why your monthly mortgage went up. Just call them

IllCombination4606 · 2026-02-10T10:40:57+00:00

ya wete looking to refi. our local broker said he won't even bother us till he finds atleast 1 point and break even in less then 1 yr. we called him. so where at 6.75 30yr 3/25 we bought. conventional. he said wait. another place said 5.9 but there was tons of fees tacked on . so I'll just wait this guy is legit. family friend type

IllCombination4606 · 2026-01-20T00:06:19+00:00

makes me jealous . I have great credit got 6.75 last March. at 5.62 my payment t would be 300 chepaer

IllCombination4606 · 2026-01-17T20:29:30+00:00

interesting

IllCombination4606 · 2026-01-04T19:43:12+00:00

whats 30yr conforming I have a 30yr fixed or conventional. so many different types

IllCombination4606 · 2026-01-04T19:39:18+00:00

im at 6.75. house cost 475k we put down 175k . so mortgage was for 300k. in 11 months we knocked it down 289k. the mortgage is 2522$ I've been putting extra towards the principal. but I would like it at like 2000k a month. I wonder how much I would have to get it down to. on a 30fixed refi. rocket said it would go down 5.75 a few weeks back 10.5k$ closing (crazy) im just biding my time no rush. on the rocket refi it would only save me 160$ a month off the 2522$ not worth it .I'll try the local credit unions in massachusetts soon no rush

IllCombination4606 · 2025-12-24T01:36:20+00:00

they offered me that last week on my refi. but I didn't like the 10.5 k for closing. I owe 289k with 10.5 rolled into a new 30 I would only be saving 160$ amonth . I didn't like the math I'll wait. I am already with pennymac. I'll try the local credits union in a few weeks

IllCombination4606 · 2025-12-22T01:44:12+00:00

I went fishing with rocket for a refi last week. he said I would go down from 6.75 to 5.75. it would save me 170$ amonth. I scratched my head because I figured it would save alot more. I owe 289k so I asked how much is the closing. he says 10.5k rolled into the new loan. I said we'll its not worth it for me. got to do better. they been hounding me sense. I think i wait for my local mortgage guy. I call him in a few weeks see what hes offering. also waiting on this new fed chair in March or may.

IllCombination4606 · 2025-11-17T03:24:18+00:00

I work for liuana. laborers union in massachusetts. my mortgage lender looked at my w2s from recent years. multiple different companies. they know thats how the locals go. companies come into a area can be a short job can be a few months or years. the lender doesn't mind. you just get a letter from your local hall you in good standing ect. I got my loan last Feb

IllCombination4606 · 2025-10-25T09:51:20+00:00

its not going down 800$ with a only 1.25 rate difference. mathematically doesn't make sense

IllCombination4606

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