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Can I hear a 4.5 apr and 0 points/

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October 06 2009 - Southington
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July 15 2012
Coach, please change your name to Rate Coach.
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July 09 2012
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I guess I was right again! 3.5 0pts for 30year. I do believe this will be bottom 3.35 0 points. People going to be heading to those t- bonds again. Coach
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July 08 2012
Understand now, you are making a prediction. So far the French Election is having minimal impact today in the markets, while the Dow is down about 50 the US bond market is about the same as last Friday . 
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May 07 2012
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The rates I say are fixed and will happen sooner then you think. The pick of President by France of a Socialist is going to cause a snowball effect in Europe. They tend to give money away that they dont have. This will make people to look for a safe haven for their money in USA bonds. Your welcome, C> Light
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May 07 2012
user3648785, the 4.5% APR / 0 points was from the coach's question 2.5 years ago, the coach is now asking about " 3.5% with 0 in 2012 " whatever that means.
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May 07 2012
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4.5 if it's a fixed rate you're talking about, yeah you can if you have a good credit score,  liquid cash helps too.  with no points. that's what the rates have been since I've been shopping around for a mortgage on a new purchase. Oh, and I was looking for a high yield bal loan.  That makes a difference too.  There are adjustments in the rates on everything.  It's actually 4.125, 4.375 with 0 points. You have to really negotiate to get 4.0 with no points. I don't see that happening, though.  They will make you pay something for that rate, but it's worth it in the long run if you plan to live there for a very long time. I don't ever see paying 2 points when the rates are low already.  a quarter or half a point is doable in my experience. Anyway, good luck. I'm not a hundred percent happy with my deal, but everybody has to make their money.
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May 06 2012
Coach, you never came back with the answer from your 1ST post so they might not want to play again but I will. This will depend on several things, are you paying MI, is this on your primary residence, is your credit score high, are you still talking about the APR or Note Rate, what type of loan FHA, VA, Conforming, or none of the above, what is your definition of " no points" because that really means no discount point(s) while someone could still be charging you origination. BTW, the 1ST guy to reply in 2009 is never wrong. 
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May 06 2012
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My mortgage would love to see 3.5%, but I'm not sure we'll ever get there based on the historical chart. I remember when I was happy to get a 6% rate on my house. Now with rates below 4%, it makes me feel so 2001. lol
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May 06 2012
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Guess you guys were wrong. Now lets see if right again 3.5 with 0 in 2012.
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May 06 2012
Either an ARM or a 15 year fixed. 
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October 06 2009
can you spell ARM/
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October 06 2009
Is this a serious question?

Or were you attempting to complain about a quote?
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October 06 2009
You can from alot of lenders here on zillow mortgage marketplace.  Now whether or not they will be able to deliver that is a completely different story.

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October 06 2009
 
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