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Can I get lower than 3.75% with 3% down? Seller accepted my offer.


xelda
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The seller accepted my offer yesterday, so I need to move quickly. Wells Fargo pre-approved me for 3.75% on a 30 year mortgage with 3% down. If my DTI were better, I could get 3.00% on a 15 year (my preferred choice).

 

I've been checking around. Alliant's loan officer said the lowest they can offer with 3% down is 3.75%. Cap One's prequalifier said they will loan me less than the purchase price.

 

Are there other lenders I should check out? I told my loan officer I need a day or two before I decide to lock it.

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That's damn good.

 

I'm going to be trying for similar but would prefer a 15yr loan. Gonna fall just a bit short of 20% though since it now looks like we're going to be closer to $300-350K.

CPC guy claims chase has a no PMI 15% down (jumbo or not) same APR. It might not be available in all states.

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