How can I track daily FHA rates?

Asked by Jane, Greenwood Village, CO Tue Mar 24, 2009

I have signed to buy a townhome and was preapproved for a FHA loan, but I'm not confident the lender is giving me the best rate possible. Are there mortgage lenders that email you daily rates? Or a website that offers the information?

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Web reference:


Jeff K, Home Buyer, Bristol, PA
Tue Mar 24, 2009
Oh - and one more thing - when the rates dipped - the Wells guy CALLED ME - how awesome is that?
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Bobbie.tony, Home Buyer, Fort Worth, TX
Wed Jul 22, 2015
Even if the information was readily available, which based on the responses it doesn't appear to be, what good would it be. By the time you see a trend the market has already shifted. It wasn't too long ago that a rate under 10% was amazing! Even with the bump that we have seen over the last couple of weeks, historically speaking, rates are extremely affordable.

Web Reference:
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Richard Pinc…, Agent, Castle Rock, CO
Thu May 21, 2015
Rates are always shifting around. My preferred lender has a free app. The rates are continually checked to ensure they are "up to date," and It’s extremely accurate. If you see something that works for you, all of his contact info is right there.

Good Luck!
Rich Pinckney
Associate Broker/Realty ONE Group Premier
0 votes
Robert McGui…, Agent, Denver, CO
Sat Jul 27, 2013

Most lenders will have at least weekly or daily rates. In your case it is certainly good to get a second opinion. Call my lender - Joe Massey - 303-809-7769

Robert McGuire ASR
Your Castle Real Estate
Direct - 303-669-1246
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Ethan Besser, Agent, Englewood, CO
Fri Jul 26, 2013
Talk to a lender for the best information.
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Jo Pellegrino, Agent, Englewood, CO
Wed Mar 25, 2009
Hi Jane,

The key question here is, why are you not confident with your lender? Rates fluctuate daily and somedays more often. Searching on a site or checking in the newspaper doesn't usually give you the full picture. A low rate may cost more in points or "junk fees". Your credit rating is the true driver of getting the very best rate. If your loan is already locked with your lender and the rates drop, he may agree to float your rate down. If you do shop the your loan, make sure you're getting a good faith estimate from each lender and do it all on the same day. I hope this gives you some insight and good luck.
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Voices Member, , Benton County, OR
Wed Mar 25, 2009
Jane, Try this.....

Good luck, Dunes
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Mark Kinslow…, Agent, Centennial, CO
Wed Mar 25, 2009

Although some people do find great rates with places lie Wells Fargo, you should always shop the loan. All Mortgage company's, and Mortgage brokers make money of your deal somewhere so it is all about beating them up on the rates they charge. I would recommend calling the Bank you use most, a credit union if you have one and then also try an outside source. The Realtor you are working with will have a whole list of different company's to try. I have one company I refer my clients with less than perfect credit or if they have no money to put down. I have another that I refer to if they have great credit and money to put down and I have another that handles all of the stated income loans. These are really hard deals and they are expensive so I suggest that unless it is the only option. Any good Loan Officer will be happy to give you a call when the rates do drop. I hope this helps!

Mark Kinslow II
Coldwell Banker
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Jeff K, Home Buyer, Bristol, PA
Tue Mar 24, 2009
Hi Jane,

Give Wells Fargo a ring. Assuming you have good credit, it's been my experience that they provide the most competitive rates. Today that's probably about 4 7/8 or 5, with a 60 day lock. I just bought and they beat everyone by 1/8 point . Some mortgage brokers are really great - but some try and hide an extra 1/8th in their for themselves. If you go straight to somebody like Wells, you'll get their best deal.

They can tell you what your credit scores are - but not the full reports. This definitely affects how good a rate you get - but there's not much time for you to improve it since you seem to already be under contract.
0 votes
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