Just did a refinance to SCB for 3.8/3.9% from 4.32%. Suggest you can look into it.
Mortgage Loan Refinance, Should I refinance?
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 Sep 15 2023, 02:42 PM
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#1
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Senior Member
1,990 posts Joined: Jan 2003 From: Kalamazoo, MI 
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Sep 15 2023, 02:48 PM
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#2
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Senior Member
1,990 posts Joined: Jan 2003 From: Kalamazoo, MI
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QUOTE(blackie19 @ Sep 15 2023, 02:45 PM) Thanks for the info. Much appreciated. If you're seriously looking for it, prolly you can give me you number. I'll ask my agent to contact you.   |
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Sep 16 2023, 01:02 AM
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#3
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Senior Member
1,990 posts Joined: Jan 2003 From: Kalamazoo, MI
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QUOTE(cempedaklife @ Sep 15 2023, 03:15 PM) a few months back i also got 3.85/3.9% offers for new house. Just had to deal with bank lawyer fees. Have a personal contact for that so it was quite a good rate. I am using the extra money to cover my other loan which is at 4.55% so it works out pretty well for the long run.I'm not sure about the refinancing fee though. |
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Sep 17 2023, 11:17 PM
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#4
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1,990 posts Joined: Jan 2003 From: Kalamazoo, MI
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QUOTE(netcrawler @ Sep 17 2023, 07:35 AM) Your refinance is zero moving cost? If cam get 3.8 or 3.9, it's very good and don't think other banks can offer it . Just the Lawyer fees and SPA stamp duty. I save alot more in the long run. |
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Sep 21 2023, 01:58 AM
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#5
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Senior Member
1,990 posts Joined: Jan 2003 From: Kalamazoo, MI
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QUOTE(blackie19 @ Sep 20 2023, 09:32 PM) SCB called me, apparently for their offer of 3.8/3.9% you would need to foot the bill for all costs, i.e legal fee et al. I did have to foot the legal fee but in the grand scheme of things which I have a 450k loan on a 4.55% rate that I can pay off with the extra money I get, I reckon it is a good deal for me. If the bank were to absorb the fee to make it total zero moving cost, the interest rate would be 4.2%. May I know for your case, was it total zero moving cost for you when you moved to SCB? |
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