Hey everyone! I just signed the contract for my first apartment and am shopping around for mortgage rates, would welcome thoughts on whether I could find a better rate or lock it in now!

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You’re not likely to find a rate much lower than this. I assume you’ve done the math on whether your savings in interest is worth spending that much buying points, though.

My husband and I just went through this and were able to “buy” points with Chase by opening a private client account and transferring assets. Something to consider of you have significant liquid assets.

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That’s quite good. Wells Fargo is offering pretty much the lowest rates. I’d check one or two others just to be sure. But I don’t think you’ll find much better

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10k in points!

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Finishing refinance now. Got the best rate from Garden State Home Loans. And they are legitimately good. The process is very organized, fast and painless. Give them a shot.
I locked 1.93% without points for 15 years. Better was 2.375% for the same conditions.

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What provider are you using?!

Better.com!

I had better rates from chase, first republic, wells fargo, quicken than better. Also how long do u plan on living in your home? If it's 10 yrs or less consider an ARM

That’s a great rate for the moment.

Check the closing fees. I got a lower rate from a mortgage service but Wells Fargo cost a few thousand less in those fees and threw me some money for closing too

Keep in mind that lenders will usually charge a little bit more than the base rate for a co-op or condo so that’s a good rate

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