I am rate locked at 3.2% on 72 months. I also had 2.99% at 60 but with the low rate i stretched it. I had to scramble this weekend as the credit union could fund fast enough for me to take possesion so I took a bridge loan out with FMC deferring first payment for 45 days. Ill refi this into my new loan in a couple of weeks.
The rates currently are horrible, even with credit unions; nothing below 6% 72months. The only place I've found was tower federal credit union that's showing 3.49 @72 which I'm waiting to hear back on. The best I could get is 5.24@72 and that was through bank of America of all places. Even with an 800+ fico, it's lower than my credit unions locally starting @6.4 with others in 7/8% now. Tower FCU sure is taking its time to get back to me though. If anyone has other suggestions or leads I should sift through I'm in Colorado, but if there's out of state options that take out if staters LMK.
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