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Thread: ** Fixed Mortgage Rates on RISE

  1. #21
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    What did the rates rise to?

    Thanks
    "The most merciful thing in the world, I think, is the inability of the human mind to correlate all its contents... some day the piecing together of dissociated knowledge will open up such terrifying vistas of reality, and of our frightful position therein, that we shall either go mad from the revelation or flee from the light into the peace and safety of a new Dark Age."

    -H.P. Lovecraft

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    Quote Originally Posted by Buster View Post
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    98% of the time the answer is "never".
    Thanks!

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    Quote Originally Posted by Darkane View Post
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    What did the rates rise to?

    Thanks
    My apologies, missed your question. I've linked the updated rates https://forums.beyond.ca/threads/378...ates-and-FAQ-s

    - - - Updated - - -

    Pressure on rates continue... with the US uncertainty and fear of inflation. The bond market had settled in the early part of the week down to 0.80% but has risen this morning to 0.94%.

    If you are planning a renewal, purchase, let us know if we can assist.

    5 Year Bond Yield
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    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

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    Hey question for you, Tim if you have a moment

    Is it pretty standard that lenders don’t let you add your mortgage-break penalty back onto your new mortgage? Or does it depend on the lender?

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    Quote Originally Posted by killramos View Post
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    This is the way
    Quote Originally Posted by Buster View Post
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    98% of the time the answer is "never". The other 2% of the time, the answer is "too late".
    Quote Originally Posted by sabad66 View Post
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    Hey question for you, Tim if you have a moment

    Is it pretty standard that lenders donít let you add your mortgage-break penalty back onto your new mortgage? Or does it depend on the lender?
    If you are switching lenders, they typically allow you to cap up to $3,000 of penalties and fees... anything over that is paid out of pocket. If there is equity, you can refinance and include penalties. If you are trying to do this with your current lender not all will blend, include the penalty... some will offer you a slightly higher rate than what you could get so they can recover the penalty amount (it is like a cashback to cover the penalty). --- short answer it does depend on your lender and your situation to your options.
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    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

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    I see, thanks for the info. I'm in a Valuflex with MCAP where you can't break mortgage unless you sell home, but they said the only exception to allowing you to break it is if you move into a new 5y valuflex and pay the penalty. In my case it's something like 24k and they wouldn't allow me to add any of it to the mortgage (but they did offer 10% off). Tough to come up with 22k on a whim like that so would have been nice if they could just add it on. Oh well, means i'm stuck in my mortgage for another 2.5 years.

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    Quote Originally Posted by sabad66 View Post
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    I see, thanks for the info. I'm in a Valuflex with MCAP where you can't break mortgage unless you sell home, but they said the only exception to allowing you to break it is if you move into a new 5y valuflex and pay the penalty. In my case it's something like 24k and they wouldn't allow me to add any of it to the mortgage (but they did offer 10% off). Tough to come up with 22k on a whim like that so would have been nice if they could just add it on. Oh well, means i'm stuck in my mortgage for another 2.5 years.
    You could add it if you have equity. There is a refinance option up to 80% but it depends on your equity. Feel free to call if you would like more info... 403-479-0066
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    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

  8. #28
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    TGIF -- 5 Year Bond Yield is up again today. Rates have risen twice in past 2-3 weeks. Approx 0.50% with 5 year fixed.

    Variable continues to be attractive again with rates rising and with potential for more depending on what happens with the bond market next week.
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    www.TimLacroix.com

    If you have any questions please feel free to PM me or email [email protected]mortgage.com

    Click here to View current Mortgage Rates

  9. #29
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    Happy Easter Monday everyone...

    FYI - more pressure for fixed rates to rise.

    5 Year Bond Yield
    Thanks,
    Tim Lacroix | 403-648-1541
    Mortgage. Made Easy Experts
    Kardia Mortgage Inc
    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

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