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Interested in a 30 yr fixed no point/no or low fee loan for single family residence, investment property in San Diego CA.

Really prefer 20% down, but possibly may require 25% (not preferred) property value $530k.

I've got APRs of 4.387% from Amerisave to Cashcall 4.75%.

Any suggested lenders/recommendations?

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^^ Right on edge of conforming/jumbo

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I just clicked bankrate, looking for rate quote in my area: no results.

This seems strange, aren't they supposed to be the site for this sort of thing?

I have a P&S this Fri, closing 6 weeks later. $430K loan, 20% down, looking for 30 yr fixed in Boston. Any suggestions on who to call? I appreciate any help. So far I identified Absolute Mortgage Co as one to try, and I have a local lender who has preapproved me.

Thanks!

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Absolute closed in 2013, Fall or late summer I think. Their website is still up and offering the same rates for over a year. their phones are disconnected, and live pricing and online app isn't working.

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MBS opened flat, spiked to +3/32s, dipped to -2/32s, and now sitting flat, @ 0/32s

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How long you have to wait for refinance, we just closed on our property at 4.25% if I can get 4.0% without much in closing, do we have to wait for 6 month before we can refinance

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MBS -5

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MBS -7 to start the day. Jobless claims were well below expectations adding to early losses.

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I mentioned earlier in the week, but here is the landscape for next week....As usual with weeks like this ahead, if you're floating, this is decision time. If you're considering locking, there can be a pretty good argument for doing so ASAP, if you haven't already. If you're planning to float through it, buckle in.

These weeks can go several ways, depending on each event or piece of data, but also in how the market reacts to it. We could miss on all reports, and have no rally at all if it's digested with a grain of salt just as easily as we could avoid a large sell of if better than expected data has a lot of 'yeah but's....'. Don't be surprised if lenders get defensive ahead of the data, in fact it'd be more surprising if they didn't. We're already down from the highs of the month, which we hit Tuesday.

Mon. 7/28
10:00 Pending Home Sales

Tues. 7/29
9:00 CaseShiller Home Index
10:00 Consumer Confidence

Wed. 7/30
8:15 ADP Payroll Forecast
8:30 GDP
2:00 FOMC Announcement

Thurs. 7/31
8:30 Weekly Claims
9:45 Chicago PMI

Fri. 8/1
8:30 Private and Non Farm Payrolls, UE Rate
10:00 ISM Index

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Chase and Bank of America jumbo loans are not that bad actually... .30 yr fixed no points 4.625% for investment property in San Diego. 4.4% APR at 1/8th point. Chase with free appraisal too. Thoughts?

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MBS +2/32

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Is this a good deal:

Local bank:
30 year conventional
4.25 (not locked in yet, so could change)
No origination fee
No points
$500 towards my closing costs.

Thanks...

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I recently closed the loan with chase initial deal was 4.25 with 1.375% discount point toward closing for jumbo loan and my Realtor was also paying 1% toward closing. day before closing chase told me that I have too much of credit even after closing cost so they converted my loan to 4.125% with .375% credit for closing.

They have $600 origination fees. But process with chase was absolutely terrible so many mistake by underwriter, and on top of that my process got complicated because I recently switched all my bank accounts, I have to provide bank statement from old and new bank. Lot of misinformation initially and later on poor response. Over all not a good experience, but when I locked they offered the best rate Bank of america did match them but by that time they agreed for match I had rate locked with Chase ( in hindsight might have been better with bank of america as I had all accounts with them)

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I recently closed the loan with chase initial deal was 4.25 with 1.375% discount point toward closing for jumbo loan and my Realtor was also paying 1% toward closing. day before closing chase told me that I have too much of credit even after closing cost so they converted my loan to 4.125% with .375% credit for closing.

They have $600 origination fees. But process with chase was absolutely terrible so many mistake by underwriter, and on top of that my process got complicated because I recently switched all my bank accounts, I have to provide bank statement from old and new bank. Lot of misinformation initially and later on poor response. Over all not a good experience, but when I locked they offered the best rate Bank of america did match them but by that time they agreed for match I had rate locked with Chase ( in hindsight might have been better with bank of america as I had all accounts with them)

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Hi All,

Need some advice. The wife and I are looking to purchase our first house together. I bought my current townhome myself a decade ago but we are ready to get our own place now. We found a house and think we can get it but would need to secure ~ $250k loan. What is the best way to start the process. There is so much info out there my head is spinning and the mortgage industry is almost as bad as used car sales! I just want to make sure I am getting a fair deal and not missing something. Should I go to my local Bank of America or my current mortgage lender (Provident Bank) first? Should I avoid the whole paying points thing if possible? Is the rate negotiable or whatever they offer is what they offer and you have to take it or not?

Thanks in advance I just don't know where to start.

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MBS -3/32

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What news is this week AMCBL?

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I want to finance a multi-family property, one unit in which I will live, and not put more than 10% down. Do I have any other options besides FHA?

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pillsdoughboy1 said:   What news is this week AMCBL?
  Scroll up about 9 or 10 posts for this weeks econ calendar

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Hello All, FTHB here and just signed the purchase agreement. Looking for fixed, 10% down. Could you recommend where to start and how to find a good lender ?

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Vermarat said:   Hello All, FTHB here and just signed the purchase agreement. Looking for fixed, 10% down. Could you recommend where to start and how to find a good lender ?
  boxhomeloans.com

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MBS +4/32

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MBS hit a high of +7/32s earlier but have been drifting lower following a much stronger Consumer Sentiment #

MBS +1/32 currently and any more weakness likely will bring re-pricing for worse.

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So I locked in 4.125 interest rate with no points and no lender charges with rate lock period of 60 days. My GFE has settlement charges of 9000 plus. That includes
Appraisal fees
Taxes
Attorney fees
Insurance
Title and recording fees.

Is this a good deal or I got ripped off ?

I still have to pay PMI.

Any help from the experts is appreciated.

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Can you provide more detail what is down payment and your fico score, I got 4.125% with .375 credit for 20% down and 735 score. But that was 1 1/2 month back rate has improved since then if you have fico above 740 and putting 20% down then you should get around .5% credit.

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MBS in a modest sell-off following better than expected GDP (and in spite of lower ADP forecast). As GDP might have been sparked more by inventories than growth, this selling might also be defense ahead of FOMC announcement @ 2

MBS -13/32 @ 102-04/32

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Modest has given way to full on....

MBS now -21

Got a brief reprieve after FOMC but now back down -20.  Most if not all investors have repriced for the worse since this a.m.'s rate sheets.  Still some huge tickets left on the bill......
Claims/Chicago Mftg tomorrow
NFP/UE and ISM Mftg PMI on Friday.

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