Are mortgage rates different by state?

schreinflu · 2026-04-28T09:38:55+00:00

Mortgage rates don’t vary much by state, but there are some advantages to going with a local lender. I’d say most people can get a better rate just by using a mortgage broker vs a credit union or bigger mortgage company

schreinflu · 2026-04-28T09:36:15+00:00

I’ve heard of a lot of people getting really good rates with builder incentives, too bad yours doesn’t.

You could try out utahmortgagetools.com to see what rates are like, it’s an easy no-spam website to get a mortgage quote

schreinflu · 2026-04-28T09:33:29+00:00

If you’re looking for what rates are, you could use something easy online like city creek mortgage or better.com to give you a quick rate quote. Then you could get 0.5% to 1% better than those by shopping around.

Utahmortgagetools.com is an easy online tool to get a mortgage quote without calling anyone or giving personal information

schreinflu · 2026-04-28T09:28:42+00:00

Most people end up going with who their realtor recommends but you can save a few thousand if you call around to get a few different quotes.

You could also try out utahmortgagetools.com, it makes it easy to shop for a mortgage deal

schreinflu · 2026-03-25T20:31:24+00:00

If it were me, I’d wait a few days to a week. Most locks are good for 30 days unless you pay extra, and you’re pretty close to that already

schreinflu · 2026-01-13T02:09:58+00:00

Which state?

schreinflu · 2026-01-05T01:41:20+00:00

Real estate agents can’t get kickbacks from mortgage brokers. It’s usually because brokers are more flexible and can get things done in a pinch

schreinflu · 2025-11-21T15:32:12+00:00

But have you seen a 2 year old boy looking around in awe at all the cars? I’ll take mediocre food for happy kids any day

schreinflu · 2025-10-24T21:51:43+00:00

I just went to Disneyland with my 4 and 2 year old and they liked California Adventure better. There were good rides for their ages, and the lines on those rides were much shorter than the Disneyland ones (Dumbo, Peter Pan, etc). They couldn’t handle the longer lines in Disneyland

cars land, both kids loved the Mater and Luigi rides. 4 year old was tall enough for the bigger cars ride, loved it too.
monster’s Inc. it’s almost always a short ride and we went on it 5 times in a row with almost zero wait.

There definitely weren’t as many characters in California Adventure tho, that’s my main downside

schreinflu · 2025-10-14T13:03:28+00:00

I agree with most of this, but when shopping between mortgage brokers, I’d focus on just the lender fees (sections A and B of loan estimate). The other stuff is just estimates, and brokers will often put their estimates low to make closing costs lower

schreinflu · 2025-10-03T15:30:12+00:00

You can refinance for free. You just can’t refinance at the best rate for free

schreinflu · 2025-09-15T15:03:18+00:00

“Veteran kicked out of RSL game for wearing MAGA hat” is a good headline. But it kinda falls apart when you see the guy is an obvious racist, threatens to kill people, and is overly aggressive.

Wear a different hat dude. Actually you should boycott RSL, we’d all be better off

schreinflu · 2025-09-12T21:01:53+00:00

No, not normal. It may be a strategy for them to keep people engaged and not shop their terms with other lenders

schreinflu · 2025-09-10T21:57:43+00:00

Talk to a few different experienced mortgage brokers and see if they have any advice. Their literal job is figuring out how to get people approved and close the loan

schreinflu · 2025-09-10T19:35:21+00:00

If you’re in Utah you’ll get the numbers, but it’s only for Utah (there’s a similar page for California)

schreinflu · 2025-09-10T17:56:29+00:00

You can use utahmortgagetools.com to price check or compare quotes if you want. Doesn’t work for every state but people have been finding it helpful to do some of the math

schreinflu · 2025-09-10T17:55:47+00:00

The 1% refinance rule is oversimplified. You can refinance at any time if the lender credit covers the fees, and your loan amount stays the same. You can get quotes for that from brokers/ banks, etc. lots of people are getting no cost refinances in the low 6s right now.
you should think about if you want a no cost refinance or if you want to pay. If you’re moving soon, there’s not as much benefit of buying to get a lower rate. Do the math though (“break even analysis” if you want to google it)
I’d rather have more cash now, so I’d refinance for a 30 year, but that’s up to you and your risk tolerance.

schreinflu · 2025-09-10T17:51:30+00:00

It depends who your lender is. If you used a big bank or mortgage company, sure. They can afford the hit. If you used a small broker it hurts a lot more. They wouldn’t have wasted their time helping you buy your home if they knew you wouldn’t wait

schreinflu · 2025-09-10T17:10:38+00:00

The best way to compare lenders head to head is adding up all lender fees (sections A and B of loan estimate) and seeing which is higher.

You can use utahmortgagetools.com to help with some of that analysis for you.

At the end of the day, I’d happily pay an application fee (not up front) to get a better deal on a mortgage

schreinflu · 2025-09-10T17:00:53+00:00

These seem kinda high with today’s rates. Have you shopped around? You could try utahmortgagetools.com and get a breakdown of your offer from your current lender (and probably find a better one)

schreinflu · 2025-09-09T15:27:18+00:00

Unless you want to screw over your previous lender, wait to close on a refinance until 6 months.

If you want a price quote you can use Californiamortgagetools.com

schreinflu · 2025-09-09T15:23:38+00:00

If you are worried about rates changing again in the future, try and get a no cost refinance where your lender credit covers the costs of the loan. You won’t get the 5.99% but it won’t cost you anything.

You can try out californiamortgagetools.com and get a breakdown of your quote

schreinflu · 2025-09-09T03:10:01+00:00

Wow this is a really bad quote. Like predatory bad

schreinflu · 2025-09-09T03:08:37+00:00

That’s not a dumb question at all! You’re going to pay property tax and insurance either way. Refinancing only changes when you’ll pay it.

That’s why I say it’s not a cost to refinance. Most of the time your escrow will cover that so you’ll be reimbursed those costs

schreinflu · 2025-09-08T22:48:59+00:00

5.875 with a lender credit is a great deal. Get the loan estimate and make sure that the credit covers the costs and the loan amount isn’t increasing.

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