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Any good way to compare mortgage offers?

Old 10-20-2020, 11:11 AM
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Default Any good way to compare mortgage offers?

Thinking about doing a refi and am wondering if there is a good way to shop and compare offerings. Best bets?
Old 10-20-2020, 11:22 AM
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Old 10-20-2020, 12:15 PM
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I should be more specific. I don't have offer a and offer b and want to compare them. I'm wondering if there is a good way to shop around for a refi.
Old 10-20-2020, 12:22 PM
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Bankrate.com check through out the day as different lenders have time slots they appear in. I just got 3.0% on a small amount of cash out refi. No lender fees or points. Just the county taxes and title fees. Cash out refi's will always have a slightly higher rate than if you just do a straight refi.
Old 10-20-2020, 12:40 PM
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Old 10-20-2020, 12:46 PM
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I'm doing this now. Best way is through an independent mortgage broker or online through the internet only providers. However, I got rates from my existing lender and they are actually pretty good with slightly less fees.

I was quoted 15 yr 2.25%, 20 yr 2.5% and 30 yr 2.625% all with 1 point discount. Trying to decide if I want to go with the 15 or 20 yr.
Old 10-20-2020, 12:47 PM
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Flagstar 3.06%, 0 points, cash out refi up to 80% LTV for the cash out for that rate

https://www.flagstar.com/personal/ho...age-rates.html

Click advanced and put it 0 point or however many points you want to pay. Points are not worth it IMO with the the minimal spread between the bought down rate.
Old 10-20-2020, 12:48 PM
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