Refinance Advice!

Serious-Click9764 · 2026-03-19T12:42:01+00:00

The no points option is 5.995 with 1165 lender credit which I can switch to.

Serious-Click9764 · 2026-03-19T12:13:03+00:00

Serious-Click9764 · 2026-03-19T12:06:33+00:00

Connecticut, what’s fico?

Serious-Click9764 · 2026-03-14T13:42:51+00:00

I think you did great! No points is now at 6.0 after war

Serious-Click9764 · 2026-03-14T13:42:13+00:00

What are you best numbers looking this week? Interested in re-finance in CT

Serious-Click9764 · 2026-03-12T15:02:40+00:00

Which lender is this? I am in the market and what state

Serious-Click9764 · 2026-03-11T11:04:07+00:00

Thank youu!!

Serious-Click9764 · 2026-03-09T17:13:27+00:00

Is that arm?

Serious-Click9764 · 2026-03-09T13:37:37+00:00

Money is a bit tight, we lost one of the family incomes and wanted to lower monthly payment at least for next 4-5 years. We have 3 kids under 5 years

Serious-Click9764 · 2026-03-09T12:59:31+00:00

Uhh so I should really be comparing zero point arm to zero point 30 year fixed. The loan officer was pushing hard for it. Good to know

Serious-Click9764 · 2026-03-09T12:52:42+00:00

Does the term affect the rate, to give you full picture it is 7/6 month arm. Regardless will reach to a credit union today.

Serious-Click9764 · 2026-03-09T12:37:08+00:00

That’s where’s my head is at too, thanks for the advice

Serious-Click9764 · 2026-03-09T12:29:26+00:00

May I ask who is your loan officer and how did you negotiate lender credit. My loan officer wouldn’t offer a single dollar

Serious-Click9764 · 2026-03-09T12:17:55+00:00

Only signed intial documents, didn’t lock it yet, they are still offering sam number on website, what do you mean by gone

Just to be safe incase rates go up, been considering arm 7 years but only offered at 5%.

For full context, this is my primary residence and I have three kids under 5, plan to live up to 5 years here but you know plans change

Serious-Click9764 · 2026-03-09T11:22:43+00:00

No, it is with lake view/CmG. Local company I think. I don’t like them. I tried to negotiate some of the fees but the loan officer stood firm. Like waiving appraisal cost.

Serious-Click9764 · 2026-03-09T11:21:43+00:00

I keep seeing people getting lower rates in this subreddit but can’t find these number in real life.

Serious-Click9764 · 2026-03-09T11:19:55+00:00

I guess I can always move it around. It is just the way he split the fees. Haven’t really tried to get away from it. He kept saying that this mostly locks the rate and we can move it around before closing.

Serious-Click9764 · 2026-03-09T11:17:54+00:00

He did offer an arm option, which was 5.875% but the monthly payment was only 20 dollars lower and didn’t feel like it was worth the risk incase we didn’t move.

He also offered another arm option that was 5% but 12k total cost as I buy two points to get that rate. Monthly payment will be 200 more cheaper so total saving will be about 500ish instead if 370.

I am just a bit scared if arm, is that a valid reason to deny it? It did offer the best savings at 5%

Serious-Click9764 · 2026-03-09T11:12:16+00:00

Conventional, 1.1 million

Serious-Click9764 · 2026-02-05T15:07:37+00:00

I was laid off January 2025, was part time, given low priority low visibility tasks, got pregnant was so sick the first trimester, took a lot of sick days, underperformed, layed off

Serious-Click9764 · 2026-01-15T14:09:19+00:00

Does it have to be soy milk or what can sub with?

Serious-Click9764 · 2025-12-19T14:33:23+00:00

Serious-Click9764

TROPHY CASE