are mortgage rates subject to negotiation?

They are to a certain extent as long as you are dealoing with an honest loan officer. Paying points is typically not advised but can be financially advantagious if you have a higher loan amount and/or plan on staying in the home for the long term. Please feel free to call me and discuss in more detail if you'd like. 970-232-2976

You can certainly try to negotiate. I happen to be of the school of thought where I provide my best offer upfront and don't have room to negotiate. Some other loan officers may provide a slightly inflated rate or fee and allow for negotiation, but everyone's different. Can't hurt to ask, but don't be surprised if the answer is no :)

Hello, I am not able to negotiate and I suspect that as John mentions, anyone giving you a good fair offer up front will not be able to either. Most of us have no real incentive to not give you the best rate and terms we have right from the start. I'm happy to help with the financing or just give you advice. If you need more information, or a competing rate quote call, email or use my live support button to discuss or get in touch with me. Web Address for live chat or quote is: http://www.loansfromrob.com/quote/ Email is robertlh66@verizon.net and direct phone is 240-752-7549. Good Luck -- Rob Hanson

I believe the best way to negotiate, is to compare a couple different lenders rates & costs, because you will see differences between lenders, sometimes big differences. dave@redrockhomeloans.com

Yes, you may be able to buy down the rate, but new rules may limit how much, due to additional closing cost associated with the loan.

Most loan officers will quote you the best rate they have available for that paticular loan........However, you do have the option to pay for a lower rate, but usually the cost does not out way the benefit. You can also raise your interest rate to get a lender credit that can be used towards closing costs. Most loan officers will go over your options with you and show the cost vs. the benefit. If you have additional questions you can reach me at 720-457-5531 or loanofficerseanyoung@gmail.com. Best wishes, Sean