Mortgage rates under 2.5% are real — for some
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Launchbar 6 9. United Wholesale Mortgage (UWM) made headlines recently for offering 2.5% mortgage and refinance rates. Now, it’s lowered the bar even further with a 2.25% VA loan rate.
And other lenders are following suit. At the time of writing this, at least one lender in our network was offering 30-year refinance rates as low as 2.49% (2.644% APR).*
But how realistic are those rates? Is 2.5% the exception, or is it a real rate available to regular borrowers?
As always, it depends on what you qualify for.
Find and lock a low rate (Oct 23rd, 2020)Mac os wifi info. *Rate estimate assumes a 720 credit score and 73% LTV ratio
Whether or not you qualify for 2.25%, rates are ridiculously low
The truth is, the lowest advertised rates almost always go to top-tier borrowers; those with excellent credit scores and 20% down payments.
So a 2.25% mortgage rate will be out of reach for many. But the good news is, rates are still incredibly low across the board.
No matter how strong your application, lenders are offering better rates now than they were a year, six months, or even one month ago.
Just how low is low? Freddie Mac has been reporting average weekly mortgage rates since the 1970s. Consider where we’ve been.
The rates we’re seeing today are part of a long trend. A very long trend.
Since the early 1980s mortgage rates have generally trended down. 30-year rates have marched from 16.63% in 1981, to just 3.13% in June 2020.
Time Period | Average 30-Year Rate | Time Period | Average 30-Year Rate |
1981 | 16.63% | Jan. 2020 | 3.62% |
1990 | 10.13% | Feb. 2020 | 3.47% |
2000 | 8.05% | Mar. 2020 | 3.45% |
2008 | 6.03% | Apr. 2020 | 3.31% |
2012 | 3.66% | May 2020 | 3.23% |
2019 | 3.94% | June 25, 2020 | 3.13% |
Data: Freddie Mac
Many wouldn’t have thought it possible 20 years ago — or even one year ago — but rates in the low-3% range are now being widely quoted. And rates in the 2s are a reality for some.
Verify your new rate (Oct 23rd, 2020)Advertised mortgage rates vs. the rate you get
You’ve probably heard the ads for $1 million term-life insurance for $26 a month. These policies do exist — but not if you’re a smoker or 65 years old.
In a similar sense, there are a lot of alluring mortgage offers out there. Rates that are so low they look like typos. But is such financing really available?
The answer is yes for some borrowers but no for others. To see who qualifies and who doesn’t, you have to look at the entire offer.
The truth about 2.25% VA loan rates
Consider the advertised2.25% VA mortgage rate from UWM as an example. (Though this line of reasoning applies to non-VA loans, too.)
All real estate financing comes with conditions and requirements of some type.
In the case of the 2.25% VA mortgage offer, UWM provides an example that assumes a “30-year Fixed-Rate VA Loan at an interest rate of 2.25% and 80% loan-to-value (LTV).”
As you read the example and related materials, there are some questions to ask.
- Are you VA qualified?
- What’s your credit score? (A minimum of 640 is required)
- Are you buying a home or refinancing?
- If you’re buying, are you willing to put 20% down?
- If you’re refinancing, will you keep at least 20% equity in the home?
- What’s the rate for VA financing with nothing down?
VA financing is available with 0% down for buyers, and current homeowners can refinance 100% of the property’s reasonable value using the VA streamline (IRRRL).
But those taking advantage of zero-down or low-down-payment options likely won’t get the lowest possible rates.
There’s always a compromise between how strong your application is, and how low a rate lenders will offer you.
Verify your new rate (Oct 23rd, 2020)The best mortgage rate — it’s complicated
Mortgage lenders are in business to make money. The last thing they want is to decline loans, turn away borrowers, or make the application process any more difficult than necessary.
So why do borrowers have to meet such high standards to get the best mortgage rates?
The thing is, there’s a lot going on behind the scenes when a mortgage lender determines your rate.
Investors and the secondary mortgage market
Mortgages are routinely sold into the secondary market to such buyers as Fannie Mae, Freddie Mac, and investors worldwide.
The secondary market is an electronic “place” where mortgages are bought and sold. By selling mortgages, lenders get the cash they can use to make new loans.
But such investors have their standards.
Investors in the secondary market want to buy standardized products. They may require a loan to have a certain down payment, debt-to-income ratio, and credit score.
Why? Because they want to be sure they’re making a safe investment. These types of criteria help lenders and investors verify that borrowers will be able to pay back their mortgages.
Loan program requirements
There are also different requirements to qualify for a mortgage — and a low rate — depending on what type of loan you apply for.
You can buy with little or nothing down with backing from the FHA, VA, USDA, and private mortgage insurance. These programs protect lenders if borrowers don’t make their payments.
But they also have certain requirements borrowers must meet to qualify for program support. If a home buyer can’t meet program standards then the loan application will not go through.
Mortgage company requirements
Regardless of other requirements, lenders may have additional standards — so-called “layering” — that borrowers must meet. These standards arise because lenders want to reduce risk.
For instance, the official guidelines say you can get FHA financing with a credit score of just 500 and 10% down. But those loans can be hard to find in reality. In fiscal year 2019, HUD reports that just 1.04% of all forward FHA loans had credit scores below 579. That’s because many lenders simply don’t want loans with lower credit scores.
Similarly, lenders get to decide what rates they’ll offer to borrowers. And those rates change daily.
You might be offered a higher or lower rate from one lender depending on its current workload, what types of loans it prefers to take on, how available investor money is at the moment, and so on.
Printworks 2 0 8 Percent Equals
How to find your lowest rate
Despite the complicated factors that influence your mortgage rate, you don’t have to be a finance expert to find the best deal. You just have to be willing to do a little work.
You’ll get the best mortgage rate when you find the lender and loan program that best fit your needs.
Shop around and speak with a few lenders before committing to a mortgage. That way you can be sure you’re getting the lowest rate available to you.
Verify your new rate (Oct 23rd, 2020)Compare top refinance lenders
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Regardless of the cause of your ill-health, our staff are trained to be non-judgemental with your well being placed with the utmost importance. Please let a member of staff know you feel unwell.
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Should anyone make you feel uncomfortable at any time, please talk to any member of staff. We have fully trained teams on site who will be able to respond to your situation sensitively and appropriately.
Whilst at Printworks, you must always observe any safety announcements that are made.
Anyone throwing objects, including food or drink containers etc., will be removed from the venue without a refund. Crowd surfing and moshing are strictly prohibited.
Certain areas of the venue may have specific capacity requirements. In these circumstances, one in one out policy will be put in place.
Many items are prohibited from being brought to Printworks. Please observe our Venue Rules for more information on this.
Yes – if you have any specific reasons for bringing prohibited items into the venue (for example, because you have a dietary or medical condition), please contact us prior to the event on [email protected].
When you arrive onsite, please make security staff aware that you are bringing medical items in with you. Please contact us prior to the event and we can verify any items you need to bring on site.
Conditions Of Entry
If you are lucky enough to look under the age of 25, you may be asked to show identification to prove your age to be granted entry to the venue for all shows where age restrictions apply.
For further information on the Challenge 25 policy, please visit www.challenge25.org.
All tickets will be checked and scanned on entry.
Searching is a condition of entry to protect your safety and that of other visitors.
All persons entering the venue are also governed by the licence conditions and are liable for searches by security staff.
Full body and bag searches will be carried out before entry is granted. Any refusal by the ticket holder to comply with such searches may result in refusal of admission and eviction from the venue without refund or compensation.
Printworks operates a no re-entry policy. Once you have left the venue, re-admittance will not be permitted.
Printworks operates a strict zero tolerance drugs policy. Searches will be in operation and this is a condition of entry to the venue.
Any customer concerned over any part of the search will be discussed individually and the process explained by staff. The customer can refuse and leave the venue at any point should they not wish to continue with the search.
Anyone found in possession of illegal substances will be refused admission, ejected from the venue and may also be liable for prosecution.
We reserve the right to pass your details to the relevant authorities should we consider an offence or criminal act has taken place.
Please observe this before buying your ticket, as we cannot guarantee entry after last entry.
We only accept a valid passport, foreign national ID cards, driving license or home office approved PASS hologram as identification and/or proof of age. If there is a name on your ticket, you must provide valid photographic ID to match this namePlease note that we cannot accept expired or out-of-date forms of ID. If you are not able to provide a valid and in-date form of ID, you may be refused entry on to the premises.
We have lockers on site that are available at a cost, however we do not allow bags that are larger than A4 size (21cm x 30cm).
No food can be brought into Printworks, but we have great food traders (including vegan and vegetarian options) and bars within the venue.
Please note you are NOT permitted to take any of the following items into the venue: illegal substances; legal highs or any other psychoactive substances; food; any form of liquid (including drinks and perfume); chewing gum; bottles; weapons; ammunition; explosives; horns; whistles; drums; fireworks; masks; torches; point-and-shoot cameras; or any other article which may be used as a weapon or missile, or which may, in our reasonable opinion, cause danger or disruption to visitors at the venue (regardless of whether or not such item is illegal or is carried for specific purposes).We reserve the right to confiscate any Prohibited Items. Anyone found in possession of such items will be refused admission, ejected from the venue and may also be liable for prosecution. No refunds will be given to customers who are refused admission due to possession of Prohibited Items.
If you have any specific reasons for bringing Prohibited Items into the venue (for example, because you have a dietary or medical condition), please contact us prior to the event on [email protected].
Animals, with the exception of guide dogs, are not permitted in the venue.
Events
We’ll have the finalised times displayed on all bars and throughout Printworks on the day of each event. Please note that set times are always subject to change.
Should there be any changes to an event at the venue (such as opening times or artists), we will endeavour to let you know, usually via the email you used to purchase your ticket with – however, this will be down to the promoter of the event and we ultimately take no responsibility for this.
In the event of a show being cancelled, refunds will be in accordance with the promoter’s T&Cs at their discretion – you will need to contact them and/or your ticket agent.
Once a show sells out at Printworks, resale systems on Kaboodle and Resident Advisor will be automatically activated.
Please note that we strongly advise against buying or selling tickets for sold out shows through any platforms other than Kaboodle and Resident Advisor which are the only authorised resale systems.
Resale tickets will appear on Kaboodle & Resident Advisor’s ticket pages as and when existing ticket holders decide to list their ticket, so we encourage you to check back on a regular basis if there are none available when you initially look.
You can find further information and instructions on how to use both resale systems via Kaboodle here and Resident Advisor here.
All tickets will be checked and scanned on entry.
Tickets can either be printed or, in the case of e-tickets, displayed on your mobile.
Please bring a valid form of photographic ID with you to the event (please note, we only accept valid passports, foreign national ID cards, driving licences or Home Office approved PASS cards as identification and/or proof of age).
If there is a name on your ticket, you must provide valid photographic ID to match this name.
Fast duplicate file finder. Any fake, invalid or duplicate tickets will be rejected.
Please ensure that you purchase your ticket(s) from an authorised ticket agent. Authorised ticket agents vary from show to show – please check with the promoter of the show you’re interested in to see if a particular agent is authorised.
Please email your ticket provider, as this will vary from show to show.
Facilities at Printworks
Our bars and food traders only accept card and contactless payment methods.
Within the designated outside smoking areas, yes.
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If you are caught smoking anywhere except for the designated outdoor smoking areas, you will be ejected from the venue without a refund.
Printworks has lockers which can be used for a fee and deposit. These are accessible throughout the day, so if you are bringing any valuables with you we recommend you store them in our secure lockers.
Locker dimensions:
Small (30cm x 30cm x 30cm)
Large (45cm x 30cm x 30cm)
Small (30cm x 30cm x 30cm)
Large (45cm x 30cm x 30cm)
You can ask for free drinking water at any of the bars located within the venue.
Please email [email protected] with “Lost Property” in the subject headline, with a clear description of your lost item, the show at which you misplaced your item, and Log Number if provided.
Please allow 72 hours for responses to any Lost Property queries.
You can also contact Printworks via 020 8498 4934 with our telephone lines open from 10.00AM to 5.00PM.
Other
We have a staffed phone line during events – the number is 07561 099844. We ask that you send a text first and we will get back to you as quickly as possible.
Travel & Accommodation
Please visit our Accommodation page.
When leaving the venue, please consider our neighbours and leave the venue quietly. The Jubilee Line runs 24 hours on Friday and Saturday nights from Canada Water. We have a designated pick up point on site for Uber, private hire cars and a taxi rank. Printworks provides no public parking.
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