This rate information is generally updated daily, but for the most accurate rates based on your individual situation, you should contact Rocket Mortgage for a customized quote.ĭisclosures from Rocket Mortgage indicate that its rates for 30-year fixed-rate mortgages ranged from 2.625% to 6.375% in 2021, averaging 2.93% overall - lower than the national average. Rocket Mortgage publishes its current mortgage rates for conventional, FHA, VA and jumbo loans on its website. I highly recommend going to somewhere else for your mortgage needs. Their words don't match what's on paper, please be careful. Words cannot explain how disappointed I feel. He eventually sent it, and there it was (what he didn't want us to see) a rate of 7.375% for a Discount Point of $13,939. He eventually, sent it after my husband got on the phone and told him we weren't going to pay for anything without seeing the loan estimate. He was very persistent that I needed to provide my credit card before he sends it of course I didn't. I repeatedly said I can't do that when I haven't seen a correct loan estimate and with the new rate he offered at no points. I asked him to see it in writing the problem was that he wanted me to give my credit card information so I can pay for the appraisal. I told Carl, and he counter offers with 7.375% with no points. I decided to inquire somewhere else for my mortgage and was able to get 7.5% with no points. When I questioned Carl (the next day) he spoke to me with an attitude and told me “it’s nothing, I changed it, it’s nothing!” with an aggressive tone.Īt this point, I already knew I did not want to do business with this company. Second, my offer was $590,000, we were giving 70,000 down payment. I eventually, understood that I would have to pay this price in order to get the rate of 7.75% (but when we spoke on the phone, the first time he never mentioned it). I called Michael and asked him what this charge was from, he was ‘beating around the bush’ with his responses. I notice a section that reads Discount Points $5,974. He sends me the loan estimate in which I am expected to acknowledge and sign the disclosure. I decide to go with 7.75% (he never stated this comes with a price). Michael stated to me that the current rate was 7.75% and he explained that if I wanted a lower rate such as 7.375% or 7.125% it will cost me X amount. Carl was off and now I was talking to Michael (didn't catch his last name). On this day, I wanted to lock in my rate since I had found a home. Fast forward to October, now I have Carl ** as my rep.
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