- 8,289
- 7,118
- Joined
- Aug 19, 2015
Your method of choosing a bank or CU and using their rates, doesn’t sound very appealing to me....
All depends... my first mortgage (that I just refi'd and close next week) was through a CU. At the time they matched the best rates available (3.75% almost 5 years ago) and paid for my closing costs (as long as I stayed 36 months, if not it was prorated). That helped save me like $4k in closing costs, that most brokers wouldn't have been able to match.
But I did use a broker for the refi