{ "media_type": "text", "post_content": "Anyone seeing jumbo loans under 3% without paying crazy points? In CA", "post_id": "60767b4a54276b003042c049", "reply_count": 12, "vote_count": 1, "bowl_id": "5a5242b78e26290018502ca0", "bowl_name": "The Real Estate Bowl" }

Anyone seeing jumbo loans under 3% without paying crazy points? In CA

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Jumbos are around 3.25 without points right now. Sent you a DM I work as a mortgage loan processor in CA

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Depends on what the loan value is. Feel free to DM and I can do some soft pricing

Trying to find the same thing! I see $11k for 0.75 and it goes up from there. How are you thinking about how many points to buy?

Still not decided if points are worth it for us. We are at 3.2% now do plan to stay for several years. Seems like we missed the boat on the great sub 3% rates.

Likely not going to see rates that low for jumbos. What price see you looking at though? There are certain county with higher limits for jumbo loan though.

Unfortunately the cost of real estate in the city we live in is high, but the total county conforming loan amount is absurdly low.

Yes. My rates went down a bit as my loan amount got closer to $1M. Anyway, best rate I got was 2.85% and 2.875% (without points).

In $850-950k range. My LTV is like 55-60% and DTI is 20% (depending on how you look at it) which might be helping me secure low rates.

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