Im in the process of refying 2 people in the adult biz (1 from this board, 1 from another)
Our subprime rates just went through the floor this past wednesday ... ive been doing nothing but lock-ins since then.
I think right now we are at 5.4% as the best rate we have on the subprime side.
To anyone who knows the biz, this is unheard of! For many years i was writing "hard money" which is subprime deals at like 15% rates with 10pts in the front, thank god thats all changing with the ever so "rate savvy" consumer!
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