(Closed) Mortgage Rates

posted 4 years ago in Washington, D.C.
Post # 2
Member
24 posts
Newbee
  • Wedding: August 2014

Columbia Bank!!! Lowest rates when we bought in 2008! really easy to work with!

Post # 4
Member
2593 posts
Sugar bee
  • Wedding: April 2017 - Valleybrook Country Club

Do you belong to a credit union? I would inquire with a credit union about rates 🙂

If you don’t have a credit union, you can check out http://www.lovemycreditunion.org and find local credit unions in your area. You may be eligible to join one. I did a quick search with the 20001 zip code http://www.asmarterchoice.org/Search_Results_128.html

Also, love my credit union has other discounts for credit union members. Good Luck!

Post # 5
Member
2166 posts
Buzzing bee
  • Wedding: October 2013

We used a mortage broker to help us find the lowest rate. While you might not be paired with a large name bank, you’re going to get the best rate possible for your qualifications. I would see if you can find a broker in your area, that way they will pre-qual you, let you know your purchase limit and what you’re rate would be. 

Post # 6
Member
626 posts
Busy bee
  • Wedding: March 2016

Not in your area, but Fiance and I are building a new home with a $330k purchase price and just locked in our rate at 3.875% (30 year fixed). We were tied to the builder’s mortgage company to get some incentives from the builder, so there were probably better rates to be had elsewhere.

Like a PP mentioned, I would find a mortgage broker you trust. When I was buying my current home back in 2012 my broker was really helpful. They aren’t tied to one lender so they can shop your rate for you. I ended up with Wells Fargo.

Post # 7
Member
5890 posts
Bee Keeper
  • Wedding: October 2010

View original reply
blackinthesuburbs:  check out NASA federal credit union. Last I heard they have a 0% down! no PMI mortagae  and you don’t have to be a member (so does Navy FCU but you have to be a member)

Post # 8
Member
918 posts
Busy bee
  • Wedding: June 2014

We just got our first mortgage in Boston, 4.125% – but DH’s credit score was only 690 (they take the lowest score into account) and we got a jumbo mortgage which I guess gets you a higher rate. We plan to refinance next year. 

Post # 9
Member
2000 posts
Buzzing bee

We went with quicken loans, and are around 3.75%, 30 year fixed 

Post # 10
Member
26 posts
Newbee
  • Wedding: April 2015

We’re using Alex at  movement mortgage based out of the remax office in Olney. He’s awesome!

 

Post # 11
Member
477 posts
Helper bee
  • Wedding: May 2019 - York, ME

I’m not in your area, but I just bought a house this month through Fairway Independent Morgage and I have a 30 year fixed at 3.5%, but could have gone down to 3.4% if I wanted to spend an additional $400. It was a USDA loan though, so not sure how that affects rates. I think their highest rate was 3.7% with poor credit.

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