Citizens’ mortgage rates?

Closed Thread
Thread Tools
  #1  
Old 07-27-2020, 08:12 AM
kpd3062's Avatar
kpd3062 kpd3062 is offline
Senior Member
Join Date: Aug 2017
Location: Texas
Posts: 123
Thanks: 410
Thanked 39 Times in 21 Posts
Default Citizens’ mortgage rates?

Has anyone gotten a rate from them recently? Don’t see rates posted online. Thanks
  #2  
Old 07-27-2020, 09:04 AM
Goldwingnut's Avatar
Goldwingnut Goldwingnut is offline
Platinum member
Join Date: Apr 2014
Location: Village of Hillsborough
Posts: 1,614
Thanks: 2,324
Thanked 3,475 Times in 703 Posts
Default

Quote:
Originally Posted by kpd3062 View Post
Has anyone gotten a rate from them recently? Don’t see rates posted online. Thanks
Just did a 15y cash out refi with them last week at 3%, would have been lower but the cash out option raised the rate about .5%.

Very easy to work with and they know the market well, unlike may other banks and CUs.
__________________
Don Wiley
GoldWingNut (a motorcycle enthusiast not a gilded fastener)
Village of Hillsborough
www.goldwingnut.com
YouTube –YouTube.com/GoldWingnut and YouTube.com/GoldWingnutProductions
Carpe diem quam minimum credula postero
Society is produced by our wants, and government by wickedness; the former promotes our happiness positively by uniting our affections, the latter negatively by restraining our vices. - Thomas Paine, 1/10/1776
  #3  
Old 07-27-2020, 09:43 AM
Cupcake57 Cupcake57 is offline
Senior Member
Join Date: Jun 2020
Posts: 202
Thanks: 170
Thanked 283 Times in 113 Posts
Default

Quote:
Originally Posted by kpd3062 View Post
Has anyone gotten a rate from them recently? Don’t see rates posted online. Thanks
Just got 2.95% on a 15 yr fixed-I was a little disappointed in that rate as my credit score is 840, but will pay it off as soon as my home sells. They are very nice to do business with and seem to have the process for closing via the mail down pat.
  #4  
Old 07-27-2020, 11:53 AM
villagetinker's Avatar
villagetinker villagetinker is offline
Sage
Join Date: Sep 2013
Location: Village of Pinellas
Posts: 9,545
Thanks: 2
Thanked 5,931 Times in 2,175 Posts
Default

Call them and ask for the mortgage department to get the current rates, I called about 3 weeks ago and they were at 3.1%, from the above comments, looks like it dropped a little. Rates are changing so often, that any info on this site is probably our of date, just give them a call.
__________________
Pennsylvania, for 60+ years, most recently, Allentown, now TV.
  #5  
Old 07-27-2020, 05:11 PM
JoMar JoMar is offline
Sage
Join Date: Apr 2014
Posts: 4,809
Thanks: 10
Thanked 2,300 Times in 863 Posts
Default

Quote:
Originally Posted by villagetinker View Post
Call them and ask for the mortgage department to get the current rates, I called about 3 weeks ago and they were at 3.1%, from the above comments, looks like it dropped a little. Rates are changing so often, that any info on this site is probably our of date, just give them a call.
What was your term? I was quoted 3.25 for a 30 year.
__________________
No one believes the truth when the lie is more interesting

Berks County Pennsylvania
  #6  
Old 07-27-2020, 05:24 PM
kpd3062's Avatar
kpd3062 kpd3062 is offline
Senior Member
Join Date: Aug 2017
Location: Texas
Posts: 123
Thanks: 410
Thanked 39 Times in 21 Posts
Default

Quote:
Originally Posted by JoMar View Post
What was your term? I was quoted 3.25 for a 30 year.
How recent was 3.25?
  #7  
Old 07-27-2020, 06:54 PM
villagetinker's Avatar
villagetinker villagetinker is offline
Sage
Join Date: Sep 2013
Location: Village of Pinellas
Posts: 9,545
Thanks: 2
Thanked 5,931 Times in 2,175 Posts
Default

My term was much shorter.
__________________
Pennsylvania, for 60+ years, most recently, Allentown, now TV.
  #8  
Old 07-27-2020, 09:41 PM
JoMar JoMar is offline
Sage
Join Date: Apr 2014
Posts: 4,809
Thanks: 10
Thanked 2,300 Times in 863 Posts
Default

Quote:
Originally Posted by kpd3062 View Post
How recent was 3.25?
Last week
__________________
No one believes the truth when the lie is more interesting

Berks County Pennsylvania
  #9  
Old 07-28-2020, 05:03 AM
alfredpopcorn@gmail.com alfredpopcorn@gmail.com is offline
Member
Join Date: Feb 2018
Posts: 43
Thanks: 1
Thanked 87 Times in 32 Posts
Default

Fake bank . Go to real bank for real rates
2.50 % for 15 year rate . .246 points - refinance. Chase
  #10  
Old 07-28-2020, 05:32 AM
bowlingal bowlingal is offline
Veteran member
Join Date: Jan 2015
Posts: 840
Thanks: 2
Thanked 708 Times in 375 Posts
Default

credit unions usually have better rates
  #11  
Old 07-28-2020, 06:59 AM
bakon bakon is offline
Member
Join Date: Apr 2017
Posts: 43
Thanks: 445
Thanked 30 Times in 17 Posts
Default

Their rates change daily until you lock them in. Can change several times a day. Looking online they seem to follow other bank rates.
  #12  
Old 07-28-2020, 08:08 AM
Plain&peanut Plain&peanut is offline
Junior Member
Join Date: Aug 2018
Posts: 19
Thanks: 549
Thanked 8 Times in 5 Posts
Default LMCU Credit union

We are in process of getting a loan with Lake Michigan Credit Union
2.85 Int rate
5/1 ARM
30 year
  #13  
Old 07-28-2020, 08:38 AM
Marine1974 Marine1974 is offline
Senior Member
Join Date: Jun 2020
Posts: 297
Thanks: 163
Thanked 265 Times in 129 Posts
Default

I am a veteran and have been quoted
2.25% to 2.35% for a VA streamline
No documentation refinance from several other banks . If you want to compare .
  #14  
Old 07-28-2020, 08:38 AM
Marine1974 Marine1974 is offline
Senior Member
Join Date: Jun 2020
Posts: 297
Thanks: 163
Thanked 265 Times in 129 Posts
Default

I am a veteran and have been quoted
2.25% to 2.35% for a VA streamline
No documentation refinance from several other banks . If you want to compare .
  #15  
Old 07-28-2020, 11:21 AM
Nanny32162 Nanny32162 is offline
Member
Join Date: Sep 2014
Posts: 55
Thanks: 78
Thanked 72 Times in 28 Posts
Default

Quote:
Originally Posted by kpd3062 View Post
Has anyone gotten a rate from them recently? Don’t see rates posted online. Thanks
When we purchased a home 8 years ago, I called Citizens First and was told they could not give me the rate, someone from the mortgage department would call me the next day. I called BB&T (now Truist), they gave me their rate over the phone, they were half a per cent lower than Citizens First.
Closed Thread

Tags
rates, citizens’, mortgage, rate, recently

Thread Tools

You are viewing a new design of the TOTV site. Click here to revert to the old version.

All times are GMT -5. The time now is 03:52 AM.