Refinance question. We refinanced in 2016 from 4.25 to 3.6. All the recent questions on the board got me looking and I have a few friends who just refinanced below 3, which is mind blowing.

I am not sure how mortgage interest rates are determined from person to person? Such as, how did my friend secure a 2.5, 30 year and best I am getting is 2.8?

I got refinance options for a flat 3 with no points and 2.8 with points. Points are in a sense paying the lender for a lower interest rate? It looks like the points would cost me $765.

Break even for us looks like right over 4 years on refinancing and we'll definitely still be in this house. Wonder if I should wait for rates to drop even further or other questions I should be asking/considering?
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Markets!
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Wait for another .25 decrease (or increase)? I have a mortgage lender who's been able to get me the best rats out of anyone for years. I can get you in touch with him if you want (just to see their rates and shit)
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Pfizer is gonna explode as they'll be first to market with the best vaccine. Just fyi IMO.
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Best I'm getting is 3.

They might have come up some. My banker said the rates they get from Freddie Mac aren't that low.

I don't know shit about points.
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I’m wondering but generally this stock has lagged the market a lot over the years.
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Investment firm call NKLA “fraud” claiming its trucks can’t do anything stated, including drive.

Lol

Stock continues downward slide.


https://markets.businessinsider.com/...0-9-1029582414
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who cares about NKLA

total loser!

only morons own that stock
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That’s right.

It’s only worth trading, not owning.

Xoxo
Lewdog
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A company with $0 of sales with a high stock price is overpriced?

Who would have thought?
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Not just that. They are claiming they don’t have anywhere close to the technology they’re putting out.
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Interested in this one, pretty big deal. Wednesday is the IPO, I think?
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Tuesday is the IPO. Price range on it is now $100-110.
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Got a refi at 2.5% paying .5 points.

Yeehaw!
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How much you saving each month?

Did you drop length of mortgage?
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