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What's the best 30 year fixed right now with no cost

I am in villa park ca by Sanfordparker64 from Lake Forest, California. Nov 20th 2013 Reply


Chris Caporiccio (chris.caporiccio@wellsfargo.com)
#15 ranked lender in New Hampshire - 31 contributions

Thank you, ALOT comes into play when you ask a question like this, from FICO to Loan to Value to Type of Dwelling. I would be happty to explore any/all options with you. Give me a call @ 603-222-3932 or better yet send me an email @ chris.caporiccio@wellsfargo.com Have a great day

Nov 20th 2013
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Justin Brown (justin_900_440)
#651 ranked lender in California - 23 contributions

There are a lot of factors that will need to be considered, but with optimal assumptions (SFR, 60% LTV, 740+ fico, Owner Occupied, 300-417k loan amount, no cash out)your looking at around 4.125 to 4.25% anything outside of those assumptions above will change the pricing

Nov 20th 2013
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Robert Hanson (rhanson)
#38 ranked lender in Maryland - 646 contributions

As the earlier posters indicated, ther's a variety of factors that determine the rate... more than they mentioned, (or are really possible to mention on this forum). You should get quotes from a few lenders (3 is usually sufficient) And make sure that you are comparing the closing costs associated with each lenders rate as well. If you would like more details or information email me at robhanson@emortgagegroup.com or leave me a voicemail at 301-651-7822. Good luck!

Nov 20th 2013
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Jason Vondrak (jvondrak)
#218 ranked lender in California - 1,741 contributions

Like others have stated, this is a rather complex question. We are a California lender, located in San Diego. Feel free to give us a call at 858-605-0952 to explore your options at no obligation.

Nov 20th 2013
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Bert Carpenter (BertCarpenter)
#38 ranked lender in Arizona - 1,819 contributions

It depends on your score, the loan size, Loan-to-Value, Debt-to-income ratio and Purpose of loan. Without the above, no one can quote you an accurate interest rate. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Certified by the National Association of Mortgage Professionals and Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Nov 20th 2013
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Jeff Albrecht (jeff.albrecht)
#95 ranked lender in Texas - 76 contributions

Sanford: We always review the cost versus no cost with our clients. If you are moving in 2-4 years, it might make sense. If you are staying put - let's talk. It is all about comparing the "before picture to the after picture" to make sure that we are "adding value" to what you currently have. Approval for loans are based upon your credit, loan to value, and debt to income ratios, as well as the property type. Click on my profile to the left, then click on my email address. We are a mortgage banker, and you will always receive our very best % rate quote - for your no cost or cost loan - the CHOICE is 110% yours!!!! Thanks...Jeff 512-381-4643

Nov 20th 2013
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John Beman (AmFirstLending)
#555 ranked lender in California - 38 contributions

Again, as the other posters here have indicated, there are many factors to consider in what is the best 30 yr fixed rate loan with no costs. Our rate today would be in the 4.125% to 4.250% range assuming the optimal situation. I am the branch manager our our branch office in Santa Ana, CA and would be happy to meet with you to discuss your situation in greater detail. If you're interested, please feel free to contact me. Brad Leslie brad.leslie@amflc.com 888-779-6500 x 7319

Nov 20th 2013
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,550 contributions

You are opening yourself up for a HUGE disappointment if your looking to an internet post to get your best deal.. and realistically, no reputable loan officer would ever quote someone based on context of your question.. that being said, if your serious about getting the best deal on a loan, then you should contact a LOCAL mortgage broker and apply with them. Once he sees your complete profile, he can be very accurate with his loan pricing.. But let me warn you!!! Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower 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. 480-287-5714 WilliamAcres.com

Nov 20th 2013
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Dave Metsker (DaveMetsker)
#37 ranked lender in Oregon - 2,317 contributions

Need more information to give you the best quote.

Nov 20th 2013
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