I got pre-qualified for a 30 year fixed mortgage loan for 6.250% rate, I was wanting to know if this is the best rate I could hope to find in today’s economy or should I keep shopping lenders?

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That's surprisingly low imo

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It’s a good rate, I got 6.35 two days ago for 30 yr fixed no points.

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That seems low, how much are you paying for points? You can buy down rates by paying for points upfront, when shopping and comparing make sure you are comparing similar points when looking at rates.

That would be with no points applied, each additional point would be 1% of the loan amount I was told

Yes, this is a great rate right now. You can shop, of course, but would be very surprised if you beat it.

If you like and trust the loan officer- take this rate. It more important to have a strong LO in this environment than to save .10

OP, rates dropped further today. Now the lender offering 6% . They texted me like 30 mins ago. So may be you negotiate if still an option.

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Seems decent. Most lenders will sell the loan after closing anyway. Your main goal should be to pay a little extra on the principal every month to effectively lessen the loan term, and minimize interest paid.

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