I’ve used box 2x but then just went with Provident this last time since that’s who they fund with.
Box really is nice to work with and getting an immediate quote online is amazing.
Mortgage Rates
- Thread starter RockMonkey
- Start date
Box really is nice to work with and getting an immediate quote online is amazing.
Troop92
Well-Known Member
- Location
- Layton, UT
We used LoanDepot this last time... Started out attentive and communicative for the first week or so and then completely went offer the rails. They became evasive and deceptive, we had to hound them to get everything finished up. Overall a very negative experience. We used Academy for our initial, should have used them again.
Pike2350
Registered User
- Location
- Salt Lake City
I refi'd an investment property earlier this year. I found that most rates were about the same but fees were a big difference. I ended up going through the Costco mortgage program and liked it. The origination fee was $300. The rest were anywhere from $1k to $3k. They seemed to be about .5-1% of the loan....but 1% is very rare....and some had flat fees around $1k.
I got it to 3.99 but that's on an investment property. Oit house is already at 3.125 so I don't see it going lower. I've thought about going to a 15 year...but the rate drop doesn't help quite enough with the payment increase. W0 years are usually the same rate as a 30 when I was/have looked
I got it to 3.99 but that's on an investment property. Oit house is already at 3.125 so I don't see it going lower. I've thought about going to a 15 year...but the rate drop doesn't help quite enough with the payment increase. W0 years are usually the same rate as a 30 when I was/have looked
- Location
- Never Far From Nowhere
Also in the middle of one right now. Going from a 30-year at 4% to a 15-year at 2.375.
kmboren
Recovering XJ owner anonymous
- Location
- Southern Utah
Unimog
Eric
- Location
- Stansbury Park, UT
Stephen, Who is that with, if you don't mind?
- Location
- Grand Junction, CO
I haven't heard of Box before, they do have pretty good rates! Looking at their 15 year loans, I could refi with a 2.5% APR and have a payment that's just a little higher than the current 30 yr @ 3.875%.
Our current mortgage is with Wells Fargo and I'm really not a fan. It would be nice to give Wells Fargo less of my money. I checked their rates and they're not that great, not surprising.
Our current mortgage is with Wells Fargo and I'm really not a fan. It would be nice to give Wells Fargo less of my money. I checked their rates and they're not that great, not surprising.
DAA
Well-Known Member
- Location
- West Bountiful, UT
Your loan will likely get sold. To someone. Could even be Wells Fargo again 
. Agree though, not a fan of WF. But we don't have any control over the sale of our notes.
- DAA
. Agree though, not a fan of WF. But we don't have any control over the sale of our notes.- DAA
Unimog
Eric
- Location
- Stansbury Park, UT
I used Box last time we refinanced. They had great rates and were really good to deal with!
Unimog
Eric
- Location
- Stansbury Park, UT
Yea, Box just makes the loans, then sells them. Ours was sold to Bank of America.
DAA
Well-Known Member
- Location
- West Bountiful, UT
Should add - I used Box last time too. But my loan has been sold two or three times since then. US Bank holds it now.
- DAA
- DAA
- Location
- Grand Junction, CO
Tonkaman
Well-Known Member
- Location
- West Jordan
I just signed on Wednesday. We mostly did it to get caught up on our finances. Even with a small cash out I saved $200 a month, and .20% interest. The best part is I did it all over the phone. The notary was the only person I ever saw through the whole process.
- Location
- Never Far From Nowhere
University Federal Credit Union. I think I just got damn lucky at the time we started. I should have played the lottery that day as well!
Spork
Tin Foil Hat Equipped
- Location
- Saratoga Springs, UT
So since everyone was talking about Box I checked out https://www.boxhomeloans.com/ I see a lower rate going with a 15 year loan than a 10 year. So that's a little strange. It looks like a 2.5% (2.778% APR) is their most popular not sure what the rate vs APR means but both are significantly lower than I got now.
Did you have to do an appraisal?? How did that go with the unfinished bathroom?
University Federal Credit Union. I think I just got damn lucky at the time we started. I should have played the lottery that day as well!
I do a TON of work for them. Surprised I didn't get assigned your appraisal. Great people.
I guess both of you could have also got an appraisal waiver, and maybe didn't need an appraisal.