Anonymous
Post 03/01/2026 00:38     Subject: Refinance rates?
Anonymous wrote:Navy Fed is doing 4.99 w no points on a 15 year

30 year ARMs are around 4.99 if you shop around. Same with VA loans and FHA. You can get 4.99 w .5 points from Langley credit union (or could a week ago).

Reddit is a great source for what people are actually getting this past week and where.


https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html#MGPE15

Watch out for footnote 6 -- they bury the fact that you'll pay a 1% origination fee.
Anonymous
Post 02/28/2026 15:56     Subject: Refinance rates?
Navy Fed is doing 4.99 w no points on a 15 year

30 year ARMs are around 4.99 if you shop around. Same with VA loans and FHA. You can get 4.99 w .5 points from Langley credit union (or could a week ago).

Reddit is a great source for what people are actually getting this past week and where.
Anonymous
Post 02/28/2026 14:57     Subject: Refinance rates?
Bump. I’d love for those to share but I find this unrealistic. Rates are slightly below 6%. Maybe 5.75% if you don’t have a jumbo loan and solid credit.
Anonymous
Post 02/26/2026 20:27     Subject: Refinance rates?
Anonymous wrote:I’m seeing 4.99 refinance rates listed publicly so 4.5 makes sense for super qualified owners. If anyone is seeing sub 4.99 refinance rates in the DC area, share the lender / credit union!

Curious where you’re seeing 4.99, unless it’s with points.
Anonymous
Post 02/26/2026 18:35     Subject: Refinance rates?
I’m seeing 4.99 refinance rates listed publicly so 4.5 makes sense for super qualified owners. If anyone is seeing sub 4.99 refinance rates in the DC area, share the lender / credit union!
Anonymous
Post 02/26/2026 17:58     Subject: Refinance rates?
I’ve read that some people with really good credit and high equity are getting refi rates as low as 4.5% — could this be true?