Forgotten Your Password?

Need to Register?

Question Icon

What is the lowest rate being offered now? I am looking for a 30 year fixed rate term. Credit score 740 and I have enough for a 10% down payment.

by jessica973 from Redvale, Colorado. Aug 30th 2016 Reply


William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,055 contributions

Much more info needed to answer your question and in all reality, no competent loan officer would ever quote without a talking to the prospective borrower first.. What are all 3 credit scores? Loan pricing uses the MID score of ALL borrowers to determine interest rates. What property type? Single family home? Condo? Townhouse? Duplex? Loan pricing is different for all these property types.. What about residency? Owner occupied? 2nd home? Investment property? Loan pricing is different for all 3.. I could go on, but you get it by now.. No one here can be accurate in determine what rate you would qualify for, just as a jeweler cannot tell you what your diamond is worth without looking at it.. If you want a quote, then the best advise I can give you would be to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Aug 30th 2016
1
0
Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,571 contributions

The reality is YOU can pick any interest rate you want! It is just a matter of how much or how little you wish to "pay" for that interest rate. For example, how about a lender quote you 3.00% on your loan today? No problem, every lender can do that. But not only will you pay all your regular closing costs, you'll also pay a lot of discount points to get down to that rate. Don't want to pay all that money? No problem, how about we quote you 4.25% today, and we won't charge you a penny in closing costs. Most clients don't do either extreme, and pick something more in the middle with a more balanced interest rate and closing cost combination. Talk to any good local mortgage broker, and they'll be happy to show you your options. For home in MN, Wi, or SD, visit me at www.JoeMetzler.com

Aug 31st 2016
0
0
Jacob Haddan (jacob@jacobdenver.com)
#135 ranked lender in Colorado - 2 contributions

Looks like your right here in Colorado call me if you still need help. I have 1% down options. Jacob 720.210.7898

Nov 10th 2016
0
0
Jacob Haddan (jacob@jacobdenver.com)
#135 ranked lender in Colorado - 2 contributions

Looks like your in CO. I have 1% down options if your still interested call me 720.210.7898. Jacob

Nov 10th 2016
0
0
Subscribe to our news feed.