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Mortgage Rates Hit Historic Lows

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Mortgage rates hit historic lows today. I am in the process of refinancing my own home mortgage and thought I'd share how I go about shopping for rates. http://www.mortgagenewsdaily.com/ is the website I check to get an idea of what the lowest zero cost rates are in the marketplace. Mortgage News Daily publishes a daily mortgage rate survey collected from various loan orginators.  Today's survey shows 3.04% for 30 year, 2.67% for 15 year, 2.75% for FHA 30 year, and 4.18% for Jumbo 30 year. Then I look at various websites online to see who is advertising rates at or below what Mortgage News Daily survey shows. I find Bank Rate, Zillow, Nerd Wallet, & Mortgage News Daily are the best website to comparision shop. I'll submit about 3 requests online to get quotes. I usually pick the loan orginator that is the cheapest and most responsive. Please feel free to reach out to me if you want the contact information of the loan agent I'm using.  

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About the author

Erin Nelsen, CFP®

Erin Nelsen, CFP®

Call 714-827-5794  to make a free consulation with Erin 

Erin Nelsen, CFP® is a fee-only fiducary Financial Advisor that manages portfolios & conducts hourly financial planning for Asset Planning.  Erin holds the CERTIFIED FINANCIAL PLANNER ™ & Registered Investment Advisor Representative professional designations.  Erin has expertise in various financial planning areas such as investments, taxes, estate divisions, public and private pension options, Social Security, real estate, insurance analysis, recent widow planning, and many other complex financial issues that arise.  Erin has been with Asset Planning since April 2007. Erin is thankful to have found her perfect forever firm. Asset Planning holds a high standard of care for both its clients and staff, and everyone is truly valued as family. 

An Orange County native, Erin earned her Bachelor of Arts in Business Administration with a concentration in Finance from Cal State Fullerton. Erin completed the Personal Financial Program at CSUF. Erin is an active member of the Orange County Financial Planning Association and has been a volunteer teacher of personal finance to elementary kids through the community outreach program Junior Achievement. 

Erin Nelsen is a Fee-Only Financial Advisor and a member of NAPFA, the largest Fee-Only Network Financial Planners. Fee-Only means Erin is only compensated directly by her clients & does not sell products nor accept commissions for the investments she recommends. Erin is proud to have built her career solely on the independent Fee-Only side of the Wealth Management industry. Erin is among an elite group of Financial Advisors held to the Fiduciary Standard. As a Fiduciary, she is required to put a client's interest above her own. Ethical, appropriate, & skilled professional care is our solid promise to all clients. 

When Erin is not at the job she loves, she is busy tending to her garden, caring for her family, attending concerts, traveling, floating in her pool, or scouting out new restaurants to try with her husband/college sweetheart of 18 years. Erin's  household is blessed with a son, daughter (both in college), two  nephews (orphaned), a Sheltie dog, & two royal cats that rule her household. 

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