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Hi
I got a quote from Wells Fargo for 2.625% for 15-year fixed. First, I was told that there are no points, but later in the day, apparently the rate increased, so they added 335$, which seemed plausible. Fee quoted in GFE is comparable to others.
Anyway, I was told that they were able to offer this low rate because I'm an educator. My banker is working remotely. I checked hi NMLS, and looks fine. He sounds reasonable over the phone and has more than 10yr experience.
This is my first home, so perhaps I'm being a paranoid. I just want to make sure if others have obtained similar offers, and I'm not getting a quote that is "too good to be true".
Thanks!
Just did a google search and saw rates at 2.75% for FHA 15 year fixed, and 2.875% for conventional 15 year fixed. So what you're being presented doesn't seem crazy.