Ride the Rates with us


Ready to take advantage of today’s interest rates? They are low now, but will they keep getting lower? Today’s market is so unpredictable, it will likely pay to WAIT for rates to drop even lower.

Why should interest rates continue to drop? – The Federal Reserve dropped their rate to a quarter point (.25%) on November 15th. They were charging 2.25% last year at this time. Loan rates were 3.5% to 4.0% for top borrower, 30-year, conventional, primary residence refinances. Keeping the same margins, 30-year rates would be 1.5% to 2.0%. We have already seen FHA and VA 30-year rates as low as 2.25%. it is only a matter of time. The question is when.

The Federal Reserve also stated that their rate would not increase until 2022. It will be a while before rates go up, but they will likely keep going down.

You can shop lenders today and lock at today’s best rate, or you can “Ride the Rates” with us until rates are lowest. Shop smart not hard.

Receive rate updates, similar to the one below, daily until you choose to lock your rate.
Note: This is a test scenario for tracking daily rate trends. Your pricing will likely be different.

The goal is to offer you the best possible rate by closely watching this fluctuating market. Cash out, jumbo, IO ARMs and bank statement programs are available, but their cost and requirements should continue to decrease and availability should increase with the reduction of standard Rate/Term refinances. Another good reason to “ride the rates”, if your loan falls into one of those categories.

Ready to start? Fill out an application on our secure website or speak with one of our agents. Our website also offers an easy, secure way to send documents.

It’s tough to live up to a name like I Love My Lender. We are constantly exploring new ways to make lending easier, and more affordable, for you!

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