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YKB,
I will not get thumbs up due the fact I'm not a broker or LO.
If you would lock between now and next week you should get under 5%. and typical closing cost of 3K-4K.
To most part in a loan, if you are not buying point, its the title cost. You should call Title company in your area (where you will sign all the documents for property) and ask about their cost,
Thanks for your inputs ! I know these will help in making decisions.
YKBuyer
Lender rating
Since August 2009
Rudi,
LOL!!!!
YKBuyer,
Tough question. Who knows what rates will be by the time you are ready to buy. 2 things....
1. lower the rate, higher the fees and vice verse. You want 4.5%...your going to pay points. You want no fees,..your going to get low-mid 5's. Can't have cake and eat it too.
2. Get GFE's when you are ready to "commit". GFE's basically are only good for the day they are issued because of rate changes. ONLY compare the 800's section of the GFE. This is the Lender charges section. No GFE,...no offer. Talk is cheap!!
Come back when you have an accepted offer and ready to commit. We (zillow members) have a Colorodo guy that I am sure will get you best price.
Lender rating
Since January 2009
Featured Rates are based on state rates for 5/1 ARM loans and are valid for the date shown, but they may change without notice. They are for consumers with a credit rating of 720 or higher and a 20% or higher down payment. Rate, terms, pre-paid finance charges, and APR may vary based on factors such as creditworthiness of the applicant(s), self employment status of the applicant(s), condo or townhouse structure, loan amount, and geographic location of the property.
If a lender does not offer a national rate, a state rate may be shown next to the lender's name. For example, 'Bank name (CA)'.
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What should I expect ?
YKBuyer
Contributions: 11
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I have fico score of 800+
If I plan to buy a house worth 290K with 10% down, i.e Loan amount=261K
What is the best possible APR I can expect for 30 yr fixed ?
What are closing costs I should expect ?
Thanks,
YKBuyer
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