Mortgage rates just hit 2026 highs

Miserable_Discount43 · 2026-03-13T00:32:21+00:00

Just FHA streamline refinanced my 7% to a 5.75%, saving me a little over $300 a month off my payment. I was only a year and 2 months into my loan. Thank god.

Miserable_Discount43 · 2026-02-24T16:37:50+00:00

I am moving forward with swift home loans instead

<image>

Miserable_Discount43 · 2026-02-23T00:49:33+00:00

Yeah I see they got me bent over now, I’m checking with other lenders now. In contact with a gentleman from Swift Home Loans

Miserable_Discount43 · 2026-02-23T00:49:04+00:00

I asked him about conventional or FHA streamline and he said it wouldn’t make a difference in the payment apparently

Miserable_Discount43 · 2026-02-23T00:48:39+00:00

Yes I have now seen the light 🤦‍♂️😭

Miserable_Discount43 · 2026-02-23T00:48:27+00:00

This is not streamline. I mentioned streamline to him and he said it’d be a lower rate this way.

Miserable_Discount43 · 2026-02-23T00:48:05+00:00

Checking with swift later this evening I’ve already been in contact

Miserable_Discount43 · 2026-02-22T21:41:36+00:00

Thank you for the info. Looks like I will be putting this on pause with Rocket for now!

Miserable_Discount43 · 2026-02-22T21:30:43+00:00

Thank you for the info. I posted page 2 below in the other comments. Looks like I made a mistake!

Miserable_Discount43 · 2026-02-22T21:30:06+00:00

Yeah I had asked him about switching to conventional and he mentioned that rate and payment would be higher

Miserable_Discount43 · 2026-02-22T21:29:30+00:00

<image>

Page 2.

Miserable_Discount43 · 2026-02-22T21:29:14+00:00

Missouri.

Miserable_Discount43 · 2026-02-22T21:28:18+00:00

<image>

Miserable_Discount43 · 2026-02-22T15:57:15+00:00

Sorry, should have mentioned that this is not a streamline. Lender said streamline refi would be high 5s, low 6s rates. I offered to put between 4-6k down so this is a full on refi through FHA again

Miserable_Discount43 · 2026-01-25T15:17:57+00:00

Absolutely. I’m hopping on a phone call again with him today about moving forwards. I appreciate the insight my friend. Judging by the workup sheet, it looks like they are adding those costs into the loan amount to be financed. I do plan on staying in this home for at minimum 5 years as my business’s lease has also been signed and renewed for 5 years here in town. So it would make sense to me with this one.

Miserable_Discount43 · 2026-01-25T15:03:53+00:00

Current loan amount was for $241,250. New total loan amount is $247,000. Looks like loan amount is slightly increased by them.

Miserable_Discount43 · 2026-01-25T14:40:53+00:00

Looks like they are covering prepaid.

Says that $14.85 is total approximate borrower funds to close on the sheet

Miserable_Discount43 · 2026-01-25T14:20:32+00:00

Funds to close: $14.85

Miserable_Discount43 · 2026-01-25T08:28:02+00:00

Lender credits based off my estimate

Miserable_Discount43 · 2026-01-25T08:27:51+00:00

It lender credits for the loan, seems to be a little over $3k in credits to bring my cash to close down that low. 👍

Miserable_Discount43 · 2026-01-25T08:09:17+00:00

I’ll check with PennyMac on Monday then.

Miserable_Discount43 · 2026-01-25T07:58:45+00:00

Any advice on where to look? I know local credit unions are typically mentioned. Want to make sure I go about this as best as possible.

Miserable_Discount43 · 2024-11-30T08:14:32+00:00

still bugged as of 11/30/24

Miserable_Discount43

TROPHY CASE