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Old 10-25-2018, 01:20 PM   #101
Mortgage Made Easy
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I will send you a quick PM shortly... but the variable rates are as low as -1.20%. Will PM questions and details within an hour.
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Tim
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Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 12-12-2018, 10:41 AM   #102
loob job
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Quote:
Originally Posted by Mortgage Made Easy View Post
I will send you a quick PM shortly... but the variable rates are as low as -1.20%. Will PM questions and details within an hour.
What are rates looking like these days for five year fixed and variable? Would you lock in a fixed rate given the economy?
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Old 12-12-2018, 01:23 PM   #103
Mortgage Made Easy
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Originally Posted by loob job View Post
What are rates looking like these days for five year fixed and variable? Would you lock in a fixed rate given the economy?
As of today, fixed rates range from 3.49% to 3.99% and 2.75% to 3.30% for variable.

The reason for the range is it depends on a number of factors:
- purchase
- refinance
- renewal / switch
- etc...

As for choosing a fixed vs variable... or locking into a fixed if you have variable? Really depends on your situation as this choice is personal and is not the same decision for everyone.

If you would like to discuss options or how you can benefit from what you currently have or would like to have... please do not hesitate to call 403-648-1541.

Here is a great article that was recently posted that can give some insight.

The bond market is now sending a clear signal: Go with a variable-rate mortgage
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Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 02-26-2019, 08:16 PM   #104
Mortgage Made Easy
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Current Rates to Open Week Feb 25, 2019

Prime Rate - 3.95%

Special Rate Offers

3 Year Fixed - 3.39% High Ratio Purchase, Owner Occupied, Close in 45 days (90% lTV in AB max)

5 Year Fixed - 3.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 3.49%
3 Year Fixed - 3.39% * High Ratio
4 Year Fixed - 3.59%
5 Year Fixed - 3.29% to 3.49% * High Ratio
5 Year Fixed - 3.49% to 3.59% * Conventional

5 Year ARM/VRM - 3.20%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 3.59% - 3.69%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 03-11-2019, 09:32 AM   #105
Mortgage Made Easy
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Current Rates to Open Week Mar 11, 2019

Prime Rate - 3.95%

Special Rate Offers

3 Year Fixed - 3.29% High Ratio Purchase, Owner Occupied, Close in 45 days (90% lTV in AB max)

5 Year Fixed - 3.23% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 3.49%
3 Year Fixed - 3.39% * High Ratio
4 Year Fixed - 3.59%
5 Year Fixed - 3.23% to 3.44% * High Ratio
5 Year Fixed - 3.34% to 3.59% * Conventional

5 Year ARM/VRM - 3.20%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 3.54% - 3.64%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 03-18-2019, 08:04 AM   #106
Mortgage Made Easy
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Current Rates to Open Week Mar 18, 2019

Prime Rate - 3.95%

Special Rate Offers

3 Year Fixed - 3.14% High Ratio Purchase, Owner Occupied

5 Year Fixed - 3.14% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 3.24% * High Ratio
4 Year Fixed - 3.41%
5 Year Fixed - 3.14% to 3.39% * High Ratio
5 Year Fixed - 3.39% to 3.49% * Conventional

5 Year ARM/VRM - 3.20%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 3.39% - 3.49%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 04-01-2019, 08:23 AM   #107
Mortgage Made Easy
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Current Rates to Open Week April 1, 2019

Prime Rate - 3.95%

Special Rate Offers

3 Year Fixed - 3.14% High Ratio Purchase, Owner Occupied

5 Year Fixed - 2.94% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 3.14%
4 Year Fixed - 3.24%
5 Year Fixed - 2.94% to 3.19% * High Ratio
5 Year Fixed - 3.24% to 3.34% * Conventional

5 Year ARM/VRM - 3.20% - 3.00%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 3.24% - 3.34%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 04-08-2019, 09:20 AM   #108
Mortgage Made Easy
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Current Rates to Open Week April 8, 2019

Prime Rate - 3.95%

Special Rate Offers

3 Year Fixed - 3.14% High Ratio Purchase, Owner Occupied

5 Year Fixed - 2.94% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 3.14%
4 Year Fixed - 3.24%
5 Year Fixed - 2.94% to 3.19% * High Ratio
5 Year Fixed - 3.24% to 3.34% * Conventional

5 Year ARM/VRM - 3.20% - 3.00%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 3.24% - 3.34%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 06-05-2019, 06:42 AM   #109
Mortgage Made Easy
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Current Rates to Open Week June 3, 2019

Prime Rate - 3.95%

Special Rate Offers

5 Year Fixed - 2.69% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

5 Year ARM/VRM - 2.70% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 2.96%
4 Year Fixed - 3.09%
5 Year Fixed - 2.69% to 2.89% * High Ratio
5 Year Fixed - 2.69% to 2.89% * Conventional

5 Year ARM/VRM - 2.70% - 3.00%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.89% - 3.14%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 08-08-2019, 08:31 AM   #110
Mortgage Made Easy
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Current Rates to Open Week Aug 5, 2019

Prime Rate - 3.95%

Special Rate Offers

5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

5 Year ARM/VRM - 2.70% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 2.89%
4 Year Fixed - 2.94%
5 Year Fixed - 2.49% to 2.74% * High Ratio
5 Year Fixed - 2.64% to 2.89% * Conventional

5 Year ARM/VRM - 2.70% - 3.05%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.79% - 2.89%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 08-21-2019, 02:50 PM   #111
The Fonz
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Why have all of the rates dropped significantly from Feb - Aug, despite Prime being unchanged? Is that typical as we progress through the calendar year?

Last edited by The Fonz; 08-21-2019 at 02:54 PM.
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Old 08-21-2019, 02:58 PM   #112
Mortgage Made Easy
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Quote:
Originally Posted by The Fonz View Post
How come we're seeing a drop in Refinance Rates from 3.65% in February, to 2.85% in August?
The economy is not performing like the economists predicted... shocking. Which is affecting the 5 Year Bond yield which is an indicator of where fixed rates go (not variable).


In February, the bond yield was up in the 1.80% - 1.90% range and as of today it is 1.28%. That is approx. 0.60% difference along with the Spring market competition (which has not slowed down)... rates have decreased.

If you have a specific question... please PM, email tim@timlacroix.com or call 403-648-1541.
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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Old 09-13-2019, 08:55 AM   #113
Mortgage Made Easy
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** Rates are on the Rise - Some lenders have increased Rates - 5-Year Bond Yield continues to rise **


Current Rates to Open Week Sept 9, 2019

Prime Rate - 3.95%

Special Rate Offers

5 Year Fixed - 2.39% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

5 Year ARM/VRM - 2.70% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 2.89%
4 Year Fixed - 2.94%
5 Year Fixed - 2.39% to 2.69% * High Ratio
5 Year Fixed - 2.59% to 2.79% * Conventional

5 Year ARM/VRM - 2.70% - 3.05%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.79% - 2.89%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email puckforum@cgymortgage.com

Click here to View current Mortgage Rates

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