Texas Refi Options Interest Only

beachfront71

Joined: Sep 9, 2007

Posts: 1,007

User Profile Ignore User Stop Ignoring

How long do you want to ignore this user?

24 hours One week Permanently Cancel

9:30a, 9/17/25

AG

Looking to refi our house and wondering what people are seeing out there...

I am interested in a jumbo 5 or 7 yr IO

Right now Citibank seems to be the best option with a 5.375% rate after you move $200k+ into a new account and apply a .25% discount..

Anyone in the biz have a better option?

Jay@AgsReward.com

Joined: Dec 2, 2008

Posts: 2,907

User Profile

Private Message

How long do you want to ignore this user?

24 hours One week Permanently Cancel

1:17p, 9/17/25

Sponsor

AG

Rates are based on loan to value, credit score, occupancy and also how much that rate costs you. So, depending on those I might be better then offered without the need to move deposits and tie up into likely a low yielding account.

Sponsor Message: AgsReward.com - See Reviews and Check Our 5-Star Rating on Shopper Approved.

MAS444

Joined: Jul 26, 2002

Posts: 10,846

User Profile

Private Message

Ignore User Stop Ignoring

How long do you want to ignore this user?

24 hours One week Permanently Cancel

2:07p, 9/17/25

AG

AVOID. BIG. NAME BRAND. BANKS. (for mortgages)

2

beachfront71

Joined: Sep 9, 2007

Posts: 1,007

User Profile Ignore User Stop Ignoring

How long do you want to ignore this user?

24 hours One week Permanently Cancel

In reply to Jay@AgsReward.com • 6:18p, 9/27/25

AG

Jay@AgsReward.com said:
Rates are based on loan to value, credit score, occupancy and also how much that rate costs you. So, depending on those I might be better then offered without the need to move deposits and tie up into likely a low yielding account.

LTV is less than 70%, credit is around 800, primary home, only need to move the money for 2 weeks or so..

Based on that let me know...

beachfront71

Joined: Sep 9, 2007

Posts: 1,007

User Profile Ignore User Stop Ignoring

How long do you want to ignore this user?

24 hours One week Permanently Cancel

In reply to MAS444 • 6:19p, 9/27/25

AG

MAS444 said:
AVOID. BIG. NAME BRAND. BANKS. (for mortgages)

Schwab (quicken on the back end) has been lights out for the last 10 years or so..

If you have something else to consider ... post it.