Zillow Advice RSS: Question-Discussion-Guide,Mortgage Rates,CA http://www.zillow.com/advice/CA/mortgage-mortgage-rates/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate What is the best way to go about shopping for mortgage rates? http://www.zillow.com/advice-thread/What-is-the-best-way-to-go-about-shopping-for-mortgage-rates/578443/ If you are truly preapproved a lot of the heavy lifting has been done and it will be easier to provide information to other lenders for comparison (such as credit scores run by a mortgage professional, possibly you know your debt-income ratios, loan program/type). Then you should reach out to reputable loan officers, through this site or from referrals, and get some comparisons.<br/><br/>Often the rate that is quoted when preapproved is no longer valid, so you'll want to circle back with your original lender - assuming you have confidence in them - and get an update. Compare oranges to oranges (prefer over apples).<br/><br/>Let me know through this site if I can assist.<br/><br/>Cheers<br/><br/>Mike<br \><br \>0 replies Wed, 11 Mar 2015 16:13:00 GMT http://www.zillow.com/advice-thread/What-is-the-best-way-to-go-about-shopping-for-mortgage-rates/578443/ 2015-03-11T16:13:00Z Lender rates quoted with taxes and insurance vs advertised rates that are quoted without. http://www.zillow.com/advice-thread/Lender-rates-quoted-with-taxes-and-insurance-vs-advertised-rates-that-are-quoted-without/193341/ Dave I'm lost with your math.&nbsp; What are you adding to the right?&nbsp; Every homeowner should add taxes and insurance to their P&amp;I&nbsp; payment for budgeting reasons.&nbsp; ZILL can't know insurance, but could get taxes if the consumer were to plug in their address...&nbsp; As far as the PHONE OFFICERS @ Bowling Alley <a href="http://www.zillow.com/mortgage/">Mortgage</a> with I/O payments glimmering... if the consumer still chooses to believe that nonsense.. they will repeat what we are trudging through today.&nbsp; Keep rockin'.<br \><br \>0 replies Wed, 28 Jan 2009 17:25:00 GMT http://www.zillow.com/advice-thread/Lender-rates-quoted-with-taxes-and-insurance-vs-advertised-rates-that-are-quoted-without/193341/ 2009-01-28T17:25:00Z Are any lenders offering 7/1 ARMs these days for well qualified borrowers? http://www.zillow.com/advice-thread/Are-any-lenders-offering-7-1-ARMs-these-days-for-well-qualified-borrowers/532557/ To find the best rate, click on the Mortgage Rates tab above and enter your loan scenario.&nbsp; You'll see a list of lenders ranked by interest rate as well as see their ratings and read reviews from past clients.&nbsp;<br \><br \>0 replies Mon, 17 Mar 2014 22:45:00 GMT http://www.zillow.com/advice-thread/Are-any-lenders-offering-7-1-ARMs-these-days-for-well-qualified-borrowers/532557/ 2014-03-17T22:45:00Z Will the S&P downgrade effect mortgage rates? http://www.zillow.com/advice-thread/Will-the-S-P-downgrade-effect-mortgage-rates/410800/ Interestingly in the very short term, the downgrades have not seemed to put any pressure on mortgage rates...yet. The 10-year treasury note has fallen to a record low. This is good for mortgage rates.&nbsp;<br/>But in the mid to long term it is very likely that the downgrade will affect the 10 year treasury notes and that the interest paid will increase to account for the added risk which is perceived from the lower credit rating. If this is the case, mortgage rates will also increase.&nbsp;<br/>Hard to tell how this all plays out...any predictions?<br \><br \>7 replies Mon, 08 Aug 2011 19:19:00 GMT http://www.zillow.com/advice-thread/Will-the-S-P-downgrade-effect-mortgage-rates/410800/ 2011-08-08T19:19:00Z Assuming high inflation and a devalued dollar in 3-5 years, is a 30 yr I/O the best option? http://www.zillow.com/advice-thread/Assuming-high-inflation-and-a-devalued-dollar-in-3-5-years-is-a-30-yr-I-O-the-best-option/251311/ If these are your concerns&nbsp;a Fixed Rate <a href="http://www.zillow.com/mortgage/">Mortgage</a> Product would be your best choice or a shorter term I/O since you could pay down principal with inflated dollars IMHO. .... There's a fairly high premium on a 30F I/O. Also, in 10 years the interest only drops off and the <a href="http://www.zillow.com/mortgage/">loan</a> recasts to a 20 fixed amorization. Could be a hard bump to manage. ..... Happy funding, Rudi Hofmann<br \><br \>0 replies Tue, 30 Jun 2009 15:02:00 GMT http://www.zillow.com/advice-thread/Assuming-high-inflation-and-a-devalued-dollar-in-3-5-years-is-a-30-yr-I-O-the-best-option/251311/ 2009-06-30T15:02:00Z What is the rate if i have a 1,190.00 mortgage payment of 15 years fix rate for the 58,000. loan? http://www.zillow.com/advice-thread/What-is-the-rate-if-i-have-a-1-190-00-mortgage-payment-of-15-years-fix-rate-for-the-58-000-loan/323666/ Would need to know your <a href="http://www.zillow.com">real estate</a> taxes annually, and homeowners insurance annually. Also if you have <a href="http://www.zillow.com/mortgage/">mortgage</a> insurance??<br \><br \>0 replies Thu, 11 Feb 2010 15:59:00 GMT http://www.zillow.com/advice-thread/What-is-the-rate-if-i-have-a-1-190-00-mortgage-payment-of-15-years-fix-rate-for-the-58-000-loan/323666/ 2010-02-11T15:59:00Z I locked in my rate on 12/31. Can I get a float down? http://www.zillow.com/advice-thread/I-locked-in-my-rate-on-12-31-Can-I-get-a-float-down/190629/ How can it be higher? I was looking at the <a href="http://www.zillow.com/Mortgage_Rates/">mortgage rate</a> for california and today, it is lower than 12/30/08. &nbsp;<br \><br \>0 replies Wed, 21 Jan 2009 05:03:00 GMT http://www.zillow.com/advice-thread/I-locked-in-my-rate-on-12-31-Can-I-get-a-float-down/190629/ 2009-01-21T05:03:00Z lock or not http://www.zillow.com/advice-thread/lock-or-not/411206/ @ james <a rel="nofollow" href="http://wiki.answers.com/Q/What_is_the_definition_of_the_Narcissistic_Personality_Disorder" title=" (Full address: http://wiki.answers.com/Q/What_is_the_definition_of_the_Narcissistic_Personality_Disorder)">http://wiki.answers.com/Q ... _Disorder</a><br/><br/><br/>If you are an agent&nbsp;why are you giving mortgage advice?<br \><br \>0 replies Thu, 11 Aug 2011 18:44:00 GMT http://www.zillow.com/advice-thread/lock-or-not/411206/ 2011-08-11T18:44:00Z should i accept loan mod with lower interest rate? bank did not reduce principle which is a lot more http://www.zillow.com/advice-thread/should-i-accept-loan-mod-with-lower-interest-rate-bank-did-not-reduce-principle-which-is-a-lot-more/179363/ It is unethical in almost every circumstance to ask for a principal reduction. The <a href="http://www.zillow.com/mortgage/">mortgage</a> holder wrote out a check for the deal you negotiated, so they are out the cash even if the asset supporting it is worth less than the balance of the loan.<br \><br \>0 replies Fri, 19 Dec 2008 16:48:00 GMT http://www.zillow.com/advice-thread/should-i-accept-loan-mod-with-lower-interest-rate-bank-did-not-reduce-principle-which-is-a-lot-more/179363/ 2008-12-19T16:48:00Z Rates http://www.zillow.com/advice-thread/Rates/459845/ You can obtain mortgage quotes from the Zillow mortgage marketplace to get started.&nbsp;&nbsp; Go to "mortgage rates" in the top line and click on "get custom quotes".&nbsp;&nbsp;&nbsp;&nbsp; Be aware rates are changing all the time, so a quote today won't necessarily be honored next week if there are rate changes.<br/><br/>It can take several weeks to finalize a mortgage loan.<br \><br \>0 replies Fri, 14 Sep 2012 01:06:00 GMT http://www.zillow.com/advice-thread/Rates/459845/ 2012-09-14T01:06:00Z Mortgage rate http://www.zillow.com/advice-thread/Mortgage-rate/177821/ My score 705 and the joint 685, <a href="http://www.zillow.com/mortgage/">loan</a> mount 360 thousand for 30 year fix; if I <a href="http://www.zillow.com/refinance/">refinance</a> without closing cost and point what the rate I will get it? and if I pay for point and cost how much it is and what is the rate?<br \><br \>1 reply Wed, 17 Dec 2008 04:54:00 GMT http://www.zillow.com/advice-thread/Mortgage-rate/177821/ 2008-12-17T04:54:00Z Calculate closing costs, motgage etc. http://www.zillow.com/advice-thread/Calculate-closing-costs-motgage-etc/474242/ Trying to calculate mortgage payment etc for a 750,000 home in Temple City.&nbsp; Your calculator only allows me a downpayment of 40%.<br/><br/>This might be a90% down and finance 10% for 10 year term.<br \><br \>2 replies Sun, 13 Jan 2013 21:56:00 GMT http://www.zillow.com/advice-thread/Calculate-closing-costs-motgage-etc/474242/ 2013-01-13T21:56:00Z is there anyone who does simple interest home loans? I have excellent credit and I owe aprox 215,000 http://www.zillow.com/advice-thread/is-there-anyone-who-does-simple-interest-home-loans-I-have-excellent-credit-and-I-owe-aprox-215-000/341986/ All typical mortgages and loans today are simple interest calculations. &nbsp;you do not pay interest upfront, rather on a per diem basis. &nbsp;interest accrues daily. &nbsp;be sure to look for fully amortized loans that has principal and interest payments. &nbsp;you can see a amortization schedule and/or request it from any lender or go online to see the calculations.<br/><br/>post a request on zillow mortgage market place to see current rates and programs in your area.<br \><br \>0 replies Thu, 08 Apr 2010 18:41:00 GMT http://www.zillow.com/advice-thread/is-there-anyone-who-does-simple-interest-home-loans-I-have-excellent-credit-and-I-owe-aprox-215-000/341986/ 2010-04-08T18:41:00Z trying to refinance http://www.zillow.com/advice-thread/trying-to-refinance/237738/ Is your <a href="http://www.zillow.com/mortgage/">loan</a> a VA or <a href="http://www.zillow.com/fha-loan/">FHA</a> loan?&nbsp; If not, is it owned by Fannie or Freddie?&nbsp; If so, do you pay <a href="http://www.zillow.com/mortgage/">mortgage</a> insurance?<br/><br/>There are a lot of options out there....<br \><br \>0 replies Fri, 22 May 2009 04:32:00 GMT http://www.zillow.com/advice-thread/trying-to-refinance/237738/ 2009-05-22T04:32:00Z Is the last week in December the best time to refinance a home mortgage loan? http://www.zillow.com/advice-thread/Is-the-last-week-in-December-the-best-time-to-refinance-a-home-mortgage-loan/376228/ 9 replies Mon, 29 Nov 2010 01:10:00 GMT http://www.zillow.com/advice-thread/Is-the-last-week-in-December-the-best-time-to-refinance-a-home-mortgage-loan/376228/ 2010-11-29T01:10:00Z How do I Advertise with Zillow? http://www.zillow.com/advice-thread/How-do-I-Advertise-with-Zillow/375061/ If you hover over the Mortgage tab on the top of the page and then click on Lender Signup you will be on your way.<br \><br \>0 replies Tue, 16 Nov 2010 00:34:00 GMT http://www.zillow.com/advice-thread/How-do-I-Advertise-with-Zillow/375061/ 2010-11-16T00:34:00Z Is it possible to get a jumbo loan with 10% down for a home in San Francisco http://www.zillow.com/advice-thread/Is-it-possible-to-get-a-jumbo-loan-with-10-down-for-a-home-in-San-Francisco/529109/ Maxreal it's not only in real estate but also in the mortgage business. Let me know how we can help you.<br \><br \>0 replies Wed, 19 Feb 2014 23:11:00 GMT http://www.zillow.com/advice-thread/Is-it-possible-to-get-a-jumbo-loan-with-10-down-for-a-home-in-San-Francisco/529109/ 2014-02-19T23:11:00Z Can I get PMI for 10% down for conforming jumbo in Los Angeles, CA? http://www.zillow.com/advice-thread/Can-I-get-PMI-for-10-down-for-conforming-jumbo-in-Los-Angeles-CA/311659/ To answer my own question, I see that RMIC treats the LA Metro Area as a standard declining market and its policy allows insuring <a href="http://www.zillow.com/mortgage/">mortgages</a> up to 90 LTV with <a href="http://www.zillow.com/mortgage-glossary/FICO/">FICO</a> at least 720:<br/><br/>http://www.rmic.com/Pages/default.aspx<br/>http://www.rmic.com/ratesguides/guides/Documents/DMP_Current.pdf<br/><br/>This suggests to me that some of the brokers who have given me quotes on ZMM, do, in fact, have access to PMI for 10% down on conventional loans.<br \><br \>0 replies Wed, 06 Jan 2010 19:13:00 GMT http://www.zillow.com/advice-thread/Can-I-get-PMI-for-10-down-for-conforming-jumbo-in-Los-Angeles-CA/311659/ 2010-01-06T19:13:00Z Just moved my UK based Company to California. I have SS# but not a credit history. Can I get a home http://www.zillow.com/advice-thread/Just-moved-my-UK-based-Company-to-California-I-have-SS-but-not-a-credit-history-Can-I-get-a-home/436529/ Just moved my UK based Company to California. I&nbsp;do have a&nbsp;SS# but not a credit history yet. Can I get a home mortgage? 30% or 35%&nbsp;down&nbsp;is okay. Good credit in UK. thanks for your advice. John K<br \><br \>2 replies Sun, 25 Mar 2012 02:17:00 GMT http://www.zillow.com/advice-thread/Just-moved-my-UK-based-Company-to-California-I-have-SS-but-not-a-credit-history-Can-I-get-a-home/436529/ 2012-03-25T02:17:00Z Do current rates change the motivation to "squeeze" the last 1/8th or 1/4 point? http://www.zillow.com/advice-thread/Do-current-rates-change-the-motivation-to-squeeze-the-last-1-8th-or-1-4-point/369233/ Just a warning. I've been examining options for getting back into the Mortgage game. They'll go to 6.5% as soon as I do.<br \><br \>0 replies Fri, 08 Oct 2010 00:59:00 GMT http://www.zillow.com/advice-thread/Do-current-rates-change-the-motivation-to-squeeze-the-last-1-8th-or-1-4-point/369233/ 2010-10-08T00:59:00Z