You betcha... on it!This quote is hidden because you are ignoring this member. Show Quote
You betcha... on it!This quote is hidden because you are ignoring this member. Show Quote
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Mortgage Connection
www.TimLacroix.com
If you have any questions please feel free to PM me or email [email protected]
Click here to View current Mortgage Rates
Current Rates to Open Week March 30, 2020
Prime Rate - 2.45% -----> DECREASE by 1.50%
PROMOTIONS
5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)
5 Year Fixed - 2.39% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)
5 Year ARM/VRM - 2.30% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60 days (some restrictions)
Full Feature Rates -- 60 to 120 day rate protection
Starting at:
3 Year Fixed - 2.49% * High Ratio
4 Year Fixed - 3.09%
5 Year Fixed - 2.29% to 2.69% * High Ratio
5 Year Fixed - 2.69% to 2.94% * Conventional
5 Year ARM/VRM - 2.40% - 2.65%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 3.09% - 3.19%
Call or PM for MORE "UnPublished" rates or other term information.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 Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Mortgage Connection
www.TimLacroix.com
If you have any questions please feel free to PM me or email [email protected]
Click here to View current Mortgage Rates
Tim, I'm in Saskatchewan so obviously worked with someone else but I just got my paperwork to sign yesterday and would appreciate your input if you don't mind. I've got a five-year variable with TD at Prime minus .75 with a $2,000 cash back, this is a refi. Should I sign on the dotted line, or is there better? I feel like it's a pretty good deal.
Financially it's a really good move based on where I'm coming from, that's all been determined. I just wonder if I am inking it too soon.
Originally posted by SJW
Once again another useless post by JRSCOOLDUDE.
Originally posted by snowcat
Don't let the e-thugs and faggots get to you when they quote your posts and write stupid shit.^^ Fact CheckedOriginally posted by JRSC00LUDE
I say stupid shit all the time.
That essentially works out to P-0.60 with a normal bank which isn’t bad for a refi... depending on loan to value of course... what percentage of equity is left?This quote is hidden because you are ignoring this member. Show Quote
Hi, this is a good discount for a refinance. TD Prime is 2.60% now so your effective rate will be 1.90%. This is good and will also protect you from fixed rate penalties if you were to sell in the next few years.This quote is hidden because you are ignoring this member. Show Quote
If you would like me to read the details, please email the docs to [email protected] to review terms and conditions especially with the cashback promo. Otherwise, it will not get any better for a variable rate.
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Mortgage Connection
www.TimLacroix.com
If you have any questions please feel free to PM me or email [email protected]
Click here to View current Mortgage Rates
Thanks Tim! I felt that was a great deal (even with TD ripping me off for the 0.1 "mtg prime" bullshit) but it's good to hear an expert confirm. I am comfortable with the rest of the document details but appreciate the offer.
Originally posted by SJW
Once again another useless post by JRSCOOLDUDE.
Originally posted by snowcat
Don't let the e-thugs and faggots get to you when they quote your posts and write stupid shit.^^ Fact CheckedOriginally posted by JRSC00LUDE
I say stupid shit all the time.
Current Rates to Open Week April 20, 2020
Prime Rate - 2.45%
PROMOTIONS
5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)
5 Year ARM/VRM - 2.10% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60 days (some restrictions)
Full Feature Rates -- 60 to 120 day rate protection
Starting at:
3 Year Fixed - 2.49% * High Ratio
4 Year Fixed - 2.99%
5 Year Fixed - 2.49% to 2.69% * High Ratio
5 Year Fixed - 2.69% to 2.94% * Conventional
5 Year ARM/VRM - 2.30% - 2.45%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.94% - 3.04%
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 Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Mortgage Connection
www.TimLacroix.com
If you have any questions please feel free to PM me or email [email protected]
Click here to View current Mortgage Rates
Current Rates to Open Week April 27, 2020
Prime Rate - 2.45%
PROMOTIONS
5 Year Fixed - 2.39% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)
5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
5 Year ARM/VRM - 2.10% High Ratio Purchase or Switch Only, Owner Occupied, Close in 120 days (some restrictions)
-------
Full Feature Rates up to 120 day rate protection
Starting at:
3 Year Fixed - 2.39% * High Ratio
5 Year Fixed - 2.54% to 2.69% * High Ratio
5 Year Fixed - 2.54% to 2.89% * Conventional
5 Year ARM/VRM - 2.10% - 2.45%
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 Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Mortgage Connection
www.TimLacroix.com
If you have any questions please feel free to PM me or email [email protected]
Click here to View current Mortgage Rates
Current Rates to Open Week May 11, 2020
Prime Rate - 2.45%
PROMOTIONS
5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)
5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
5 Year ARM/VRM - 2.05% High Ratio Purchase or Switch Only, Owner Occupied, Close in 120 days (some restrictions)
-------
Full Feature Rates up to 120 day rate protection
Starting at:
3 Year Fixed - 2.29% * High Ratio
5 Year Fixed - 2.39% to 2.54% * High Ratio
5 Year Fixed - 2.59% to 2.79% * Conventional
5 Year ARM/VRM - 2.25% - 2.45%
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 Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Mortgage Connection
www.TimLacroix.com
If you have any questions please feel free to PM me or email [email protected]
Click here to View current Mortgage Rates
Current Rates to Open Week May 18, 2020
Prime Rate - 2.45%
PROMOTIONS
5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)
5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)
5 Year ARM/VRM - 2.05% High Ratio Purchase or Switch Only, Owner Occupied, Close in 120 days (some restrictions)
-------
Full Feature Rates up to 120 day rate protection
Starting at:
3 Year Fixed - 2.29% * High Ratio
5 Year Fixed - 2.29% to 2.54% * High Ratio
5 Year Fixed - 2.59% to 2.79% * Conventional
5 Year ARM/VRM - 2.15% - 2.45%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.59% - 2.69%
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 Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Mortgage Connection
www.TimLacroix.com
If you have any questions please feel free to PM me or email [email protected]
Click here to View current Mortgage Rates
We just got offered to blend our 2 mortgages for better rates. Is this a good time to do so?
Mortgage #1 - 20 months left. would go from 2.84% to 2.67%
Mortgage #2 - 27 months left. would go from 3.29% to 2.77%
Those fixed rates? I'd say right now a "good" rate target is 2.4-2.5%.
Have you looked at your penalty of you took your mortgages elsewhere? That's a good data point. You will have no leverage at your current lender.
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Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Mortgage Connection
www.TimLacroix.com
If you have any questions please feel free to PM me or email [email protected]
Click here to View current Mortgage Rates
Current Rates to Open Week June 1, 2020
Prime Rate - 2.45%
PROMOTIONS
5 Year Fixed - 2.24% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)
5 Year Fixed - 2.34% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)
5 Year ARM/VRM - 1.95% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-120 days (some restrictions)
-------
Full Feature Rates up to 120 day rate protection
Starting at:
3 Year Fixed - 2.19% * High Ratio
5 Year Fixed - 2.24% to 2.49% * High Ratio
5 Year Fixed - 2.49% to 2.79% * Conventional
5 Year ARM/VRM - 2.00% - 2.35%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.54% - 2.79%
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 Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Mortgage Connection
www.TimLacroix.com
If you have any questions please feel free to PM me or email [email protected]
Click here to View current Mortgage Rates
Current Rates to Open Week June 8, 2020
Prime Rate - 2.45%
PROMOTIONS
5 Year Fixed - 2.09% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)
5 Year ARM/VRM - 1.85% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-120 days (some restrictions)
-------
Full Feature Rates up to 120 day rate protection
Starting at:
3 Year Fixed - 2.19% * High Ratio
5 Year Fixed - 2.24% to 2.49% * High Ratio
5 Year Fixed - 2.49% to 2.79% * Conventional
5 Year ARM/VRM - 2.00% - 2.35%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.54% - 2.79%
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 Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Mortgage Connection
www.TimLacroix.com
If you have any questions please feel free to PM me or email [email protected]
Click here to View current Mortgage Rates
Current Rates to Open Week June 21, 2020
Prime Rate - 2.45%
PROMOTIONS
5 Year Fixed - 2.09% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)
5 Year ARM/VRM - 1.85% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-120 days (some restrictions)
-------
Full Feature Rates up to 120 day rate protection
Starting at:
3 Year Fixed - 2.19% * High Ratio
5 Year Fixed - 2.19% to 2.34% * High Ratio
5 Year Fixed - 2.24% to 2.44% * Conventional
5 Year ARM/VRM - 2.00% - 2.25%
HELOC Rates Prime +0.50%
Refinance Rates
5 Year Fixed - 2.44% - 2.59%
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 Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Mortgage Connection
www.TimLacroix.com
If you have any questions please feel free to PM me or email [email protected]
Click here to View current Mortgage Rates
WWYD:
5 year fixed at 2.09%
5 year variable at 1.90%
My gut feel is that rates aren't going up in the next 3 years so variable is definitely attractive. But with the difference being only .19%, I would probably lean to the fixed just for the stability. If the spread was higher at like .3% or more i would take the risk and go variable. Just my opinion though, its a tough one.This quote is hidden because you are ignoring this member. Show Quote
If you’re not gonna break the term... fixed, I don’t even want to think of what type of BS is gonna be pulled out to fix this covid mess, but can’t complain about the piece of mind knowing you won’t have to worry about it locked in way down in the free money zone
We are definitely considering breaking the term as we want to keep options open on our rental. Apparently MCAP charges 3 months interest to do so which is pretty reasonable given the size of the mortgage.