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Updated over 11 years ago on . Most recent reply

Brad B.'s profile image
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Brad B.
  • Investor
  • from Bakersfield, CA
  • Member since Nov 25, 2013

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Brad B.'s profile image
Brad B.'s profile image
Brad B.
  • Investor
  • from Bakersfield, CA
  • Member since Nov 25, 2013
Brad B.
  • Investor
  • Bakersfield, CA
93
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Private Lending & Conventional Mortgage Advice

20% vs. 25% Down

Brad B.
  • Investor
  • Bakersfield, CA
Posted

I'm pre-approved for a 30-yr fixed loan and I'm looking at properties in the 100K-125K range. My interest rate is quoted at 4.875% if I put 20% down or 4.625% if I put 25% down. What is better or is it a wash? I'd like to leverage more if I can but I'm not sure the higher rate is worth it.

  • Brad B.
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Mike D'Arrigo's profile image
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Mike D'Arrigo
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  • from San Jose, California
  • Member since Jul 13, 2010

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Mike D'Arrigo
  • Turn key provider
  • from San Jose, California
  • Member since Jul 13, 2010
Mike D'Arrigo
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Mike D'Arrigo
  • Turn key provider
  • San Jose, CA
Replied

@Brad B.

The difference in your mortgage payment would be around $38/mth. You'll have to decide for yourself if it's worth an additional $5000 down payment to save $38. Personally I don't think so.

  • Mike D'Arrigo
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