Home Mortgage

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Recent reports

Report DateInterest RateMortgage TermLoan Purpose
2021-04-192.500%30-yr fixedRate-and-term refinance
Location
Fremont, CA 94538
Points
0
Lender Credits
3446, total estimated cost 365$
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
822,000
LTV
60% < LTV <= 70%
FICO Score
760 - 779
Lender
LoanDepot
Loan Officer
Steven Saul
Rating
2021-04-142.375%30-yr fixedRate-and-term refinance
Location
San Jose, CA 95110
APR
2.390%
Points
0
Lender Credits
Credit covered all lender costs and appraisal
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
Unknown
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Lender
LoanDepot
Rating
Notes
Took 4 months to close
2021-04-062.750%30-yr fixedRate-and-term refinance
Location
Mountain View, CA 94043
Points
Yes, I purchased 1 point
Lender Credits
0
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
Unknown
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Lender
Chase
Rating
2021-03-172.375%30-yr fixedRate-and-term refinance
Location
Dublin, CA 94568
APR
2.399%
Points
0
Lender Credits
$3900
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
678,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Lender
Loan depot
Loan Officer
Kirk
Rating
Notes
Need LTV less than 60
2021-03-082.750%30-yr fixedRate-and-term refinance
Location
Charlestown, MA 02129
APR
2.750%
Points
0
Lender Credits
All closing costs covered
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,000,000
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Lender
Chase
Rating
Notes
Low rate required $1MM investable assets moved to Chase.
2021-03-012.750%30-yr fixedRate-and-term refinance
Location
Bellevue, WA 98007
Points
0
Lender Credits
yes
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
710,000
LTV
70% < LTV <= 80%
FICO Score
740 - 759
Lender
loandepot
Rating
2021-02-272.375%30-yr fixedRate-and-term refinance
Location
Fremont, CA 94555
Points
0
Lender Credits
~1300$ to cover all third party cost and loan fee.
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
747,000
LTV
50% < LTV <= 60%
FICO Score
720 - 739
Lender
Interactive mortgage
Rating
Notes
Process was very smooth. Took ~2months. They don't swiftly respond to emails, however, they get work done in the background.
2021-02-022.750%30-yr fixedPurchase
Location
Sunnyvale, CA 94086
Points
Yes, I purchased 1 point
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
Unknown
LTV
70% < LTV <= 80%
FICO Score
760 - 779
Lender
PNC
Loan Officer
Tom Hua
Rating
2021-01-274.200%30-yr fixedRate-and-term refinance
Location
Santa Clara, CA 95051
Points
0
Lender Credits
0
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
450,000
LTV
I don't know
FICO Score
800 - 850
Lender
Wells Fargo
Rating
2021-01-272.625%30-yr fixedRate-and-term refinance
Location
San Jose, CA 95134
Points
0
Lender Credits
3700
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,036,000
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Lender
Better mortgage
Rating
Notes
Competing quotes from Figure and other online refi lenders
2021-01-272.375%30-yr fixedRate-and-term refinance
Location
Santa Clara, CA 95051
Points
0
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
Unknown
LTV
50% < LTV <= 60%
FICO Score
780 - 799
Lender
loancabin
Rating
Notes
Locked @ 2.5% in Aug 2020. Process took almost six months to finish. At the end got an even better rate @ 2.375%
2021-01-232.500%30-yr fixedRate-and-term refinance
Location
Fremont, CA 94538
Points
0
Lender Credits
3446, total estimated cost 365$
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
822,000
LTV
60% < LTV <= 70%
FICO Score
760 - 779
Lender
LoanDepot
Loan Officer
Steven Saul
Rating
2021-01-182.750%30-yr fixedPurchase
Location
Palm Bay, FL 32905
Points
3.702
Lender Credits
1321
Property Type
Single Family
Occupancy
Investment property
Mortgage Type
Conforming Loan
Loan Amount
159,000
LTV
20% < LTV <= 30%
FICO Score
780 - 799
Lender
PennyMac
Rating
2021-01-092.875%30-yr fixedRate-and-term refinance
Location
Orange, CA 92867
Points
0
Lender Credits
$2,000
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
Unknown
LTV
70% < LTV <= 80%
FICO Score
760 - 779
Lender
Better.com
Rating
2020-12-302.500%30-yr fixedRate-and-term refinance
Location
Travis Afb, CA 94535
Points
0
Lender Credits
All closing costs are credited
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
769,000
LTV
60% < LTV <= 70%
FICO Score
760 - 779
Lender
Interactive Mortgage
Rating
Notes
I did not go with them but they have best rates
2020-12-292.750%30-yr fixedPurchase
Location
Palm Bay, FL 32905
APR
2.900%
Monthly Payment
$842 (Principal + Interest)
Points
1.125
Lender Credits
0
Property Type
Single Family
Occupancy
Investment property
Mortgage Type
Conforming Loan
Loan Amount
206,175
LTV
80% < LTV <= 90%
FICO Score
780 - 799
Lender
Axos Bank
Rating
Notes
Got it through LendingTree
2020-12-282.375%30-yr fixedRate-and-term refinance
Location
Milpitas, CA 95035
Points
0
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
435,000
LTV
30% < LTV <= 40%
FICO Score
780 - 799
Lender
Interactive Mortgage
Loan Officer
Ravy Pov | <ravy.pov@interactivemortgage.com>
Rating
2020-12-212.250%15-yr fixedRate-and-term refinance
Location
Milpitas, CA 95035
APR
2.250%
Points
0
Lender Credits
0
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
Unknown
LTV
60% < LTV <= 70%
FICO Score
780 - 799
Lender
Owning.com
Rating
2020-12-192.750%30-yr fixedPurchase
Location
San Jose, CA 95123
APR
2.772%
Points
0
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
825,000
LTV
70% < LTV <= 80%
FICO Score
740 - 759
Lender
Golden1 Credit Union
Rating
2020-12-042.625%30-yr fixedRate-and-term refinance
Location
Goleta, CA 93117
APR
2.632%
Points
0
Lender Credits
1226
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
565,000
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Lender
Interactive Mortgage
Rating
2020-12-032.500%30-yr fixedRate-and-term refinance
Location
Santa Clara, CA 95051
Points
0
Lender Credits
6400 credit
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
750,000
LTV
40% < LTV <= 50%
FICO Score
780 - 799
Lender
loandepot
Loan Officer
Andrew Ciriello
Rating
2020-11-302.500%30-yr fixedRate-and-term refinance
Location
Dublin, CA 94568
Points
0
Lender Credits
zero cost loan
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
Unknown
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Lender
loan depot
Rating
2020-11-232.500%30-yr fixedRate-and-term refinance
Location
Brooklyn, NY 11201
Points
0
Lender Credits
0
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
500,000
LTV
20% < LTV <= 30%
FICO Score
800 - 850
Lender
GuardHill
Rating
Notes
Found slightly higher rate on Zillow Home Loans, but they had a better rate available when I spoke to them on the phone.
2020-11-222.250%30-yr fixedRate-and-term refinance
Location
Arlington, VA 22201
APR
2.250%
Monthly Payment
$3431 (Principal + Interest)
Points
0
Lender Credits
6700
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
VA
Loan Amount
895,000
LTV
60% < LTV <= 70%
FICO Score
780 - 799
Lender
Quicken
Loan Officer
Ivan Hendren
Rating
2020-11-052.625%30-yr fixedRate-and-term refinance
Location
Dublin, CA 94568
APR
2.625%
Points
0
Lender Credits
Yes
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
500,000
LTV
50% < LTV <= 60%
FICO Score
780 - 799
Lender
Owning
Rating
2020-10-262.750%30-yr fixedRate-and-term refinance
Location
Santa Clara, CA 95054
Points
0
Lender Credits
3800
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
750,000
LTV
50% < LTV <= 60%
FICO Score
780 - 799
Lender
Loan Depot
Rating
Notes
Took 90 days to close. Had to extend rate lock.
2020-10-252.875%30-yr fixedRate-and-term refinance
Location
San Ramon, CA 94583
Points
0
Lender Credits
10000
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
675,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Lender
Loan Depot
Rating
Notes
Rate locked in mid-August. Poor communication from LO, but overall best value
2020-10-162.375%20-yr fixedRate-and-term refinance
Location
Chicago, IL 60615
Points
0
Lender Credits
The lender covers all the closing cost associated with the loan
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
500,000
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Lender
Wells Fargo
Loan Officer
Kelly Zhang | kellyzhang@ihomeland.com
Rating
Notes
No point no fee refinance.
2020-10-152.500%30-yr fixedRate-and-term refinance
Location
San Jose, CA 95131
Points
0
Lender Credits
Lender credit covered all costs
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
720,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Lender
LoanDepot
Rating
Notes
I was initially told I might have to pay around $500 in closing costs but was able to negotiate that down to $0
2020-09-272.875%30-yr fixedRate-and-term refinance
Location
Berkeley, CA 94708
APR
2.860%
Points
0
Lender Credits
~$3750
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
765,000
LTV
50% < LTV <= 60%
FICO Score
780 - 799
Lender
Chase
Loan Officer
Will Wang | will.wang@chase.com
Rating
Notes
Great experience, took a while to close, had to open a Private Client account to get the best rate at that time.
2020-09-253.250%15-yr fixedPurchase
Location
Fort Lauderdale, FL 33351
Points
0
Lender Credits
0
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
Unknown
LTV
I don't know
FICO Score
780 - 799
Lender
Citi
Rating
2020-09-202.750%15-yr fixedRate-and-term refinance
Location
Richmond, TX 77469
Points
0
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
270,000
LTV
80% < LTV <= 90%
FICO Score
760 - 779
Lender
Better
Rating
2020-09-192.500%15-yr fixedRate-and-term refinance
Location
San Lorenzo, CA 94580
APR
2.500%
Points
0
Lender Credits
Yes no fee.
Property Type
Single Family
Occupancy
Secondary residence
Mortgage Type
Conforming Loan
Loan Amount
Unknown
LTV
60% < LTV <= 70%
FICO Score
760 - 779
Lender
Owning
Rating
2020-09-092.625%30-yr fixedRate-and-term refinance
Location
Fremont, CA 94538
Monthly Payment
$2542 (Principal + Interest)
Points
0
Lender Credits
1500
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
633,000
LTV
60% < LTV <= 70%
FICO Score
760 - 779
Lender
LoanDepot
Rating
2020-09-052.375%30-yr fixedRate-and-term refinance
Location
Bethesda, MD 20817
APR
2.400%
Points
0
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
VA
Loan Amount
999,999
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Lender
strong home mortgage
Loan Officer
Fred Hirsch
Rating
2020-09-042.500%30-yr fixedRate-and-term refinance
Location
Solon, OH 44139
APR
2.540%
Monthly Payment
$1331 (Principal + Interest)
Points
0
Lender Credits
1200
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
337,000
LTV
60% < LTV <= 70%
FICO Score
780 - 799
Lender
First Internet Bank of Indiana
Loan Officer
Jessica Callahan
Rating
2020-09-023.625%30-yr fixedRate-and-term refinance
Location
San Jose, CA 95120
Points
0
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
3,990
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Lender
Bank of America
Rating
2020-09-014.375%30-yr fixedCash-out refinance
Location
Lincoln, CA 95648
Monthly Payment
$1259 (Principal + Interest)
Points
0
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
247,614
LTV
80% < LTV <= 90%
FICO Score
740 - 759
Lender
Lakeview loan servicing
Rating
2020-08-262.750%30-yr fixedRate-and-term refinance
Location
Rochester, MI 48307
Points
0
Lender Credits
2700
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
323,000
LTV
70% < LTV <= 80%
FICO Score
760 - 779
Lender
Wells Fargo
Rating
Notes
Lender provided $2600 closing credits, loan fee is $2600 so eventually it is a 0$ fee refinance.
2020-08-202.750%30-yr fixedRate-and-term refinance
Location
Fremont, CA 94536
APR
2.759%
Points
0
Lender Credits
$1,400 to cover all loan costs
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
710,000
LTV
70% < LTV <= 80%
FICO Score
760 - 779
Lender
LoanFactory
Rating
2020-08-193.125%30-yr fixedPurchase
Location
Seattle, WA 98106
Points
Yes, I purchased 1 point
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
950,000
LTV
50% < LTV <= 60%
FICO Score
700 - 719
Lender
Caliber
Rating
2020-08-192.500%30-yr 5/1 ARMPurchase
Location
Chicago, IL 60657
Points
0
Lender Credits
0
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
694,000
LTV
80% < LTV <= 90%
FICO Score
760 - 779
Lender
Chase
Loan Officer
Adam Hengesbaugh | adam.hengesbaugh@chase.com
Rating
Notes
Had to move $250K to chase in order to get this rate. Without moving the assets the rate was 2.625%
2020-08-183.000%30-yr fixedPurchase
Location
Cupertino, CA 95014
Points
0
Lender Credits
0
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,168,000
LTV
80% < LTV <= 90%
FICO Score
800 - 850
Lender
Wells Fargo
Rating
2020-08-183.250%30-yr fixedRate-and-term refinance
Location
Sammamish, WA 98075
APR
3.250%
Points
0.625
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
Unknown
LTV
40% < LTV <= 50%
FICO Score
800 - 850
Lender
Wells Fargo
Rating
2020-08-133.000%30-yr fixedRate-and-term refinance
Location
Albany, CA 94706
Points
0
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
670,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Lender
Chase
Rating
Notes
Very slow, took over 2 months to close.
2020-08-112.500%30-yr fixedRate-and-term refinance
Location
Albany, CA 94706
APR
2.525%
Points
0
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
689,000
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Lender
Ally
Rating
2020-08-062.875%30-yr fixedRate-and-term refinance
Location
Bellevue, WA 98007
APR
2.888%
Points
0
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
700,000
LTV
20% < LTV <= 30%
FICO Score
700 - 719
Lender
Bank of America
Rating
2020-08-042.500%30-yr fixedRate-and-term refinance
Location
Sunnyvale, CA 94087
APR
2.500%
Points
0
Lender Credits
1400
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
455,000
LTV
40% < LTV <= 50%
FICO Score
800 - 850
Lender
Owning.com
Rating
2020-08-033.375%15-yr fixedRate-and-term refinance
Location
Fremont, CA 94536
Points
0
Lender Credits
2850
Property Type
Townhome/Condo
Occupancy
Investment property
Mortgage Type
Conforming Loan
Loan Amount
Unknown
LTV
60% < LTV <= 70%
FICO Score
740 - 759
Lender
Better Mortgage
Rating
Notes
Not responsive, but everything's online in the system. The system is comprehensive.
2020-08-033.500%30-yr fixedRate-and-term refinance
Location
Cary, NC 27511
Points
0
Lender Credits
0
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
VA
Loan Amount
425,000
LTV
I don't know
FICO Score
800 - 850
Lender
Wells Fargo
Rating