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check APR online(480)839-6709, www.456LOAN.com Call us for a low FIXED rate. We are the experts.
Duration : 0:4:6
Archive for the "low refinance mortgage" Category
8
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Nov
Only if your total financing totals no more than 60% loan to value, and your rate would probably suck.
Find a good mortgage broker who is good at helping you bring up your fico scores. I'm an extremely experienced Realtor, and I have done financing origination myself some years back, but I asked a friend of mine who is a specialist and the smartest guy I know in the lending field for information, and he helped me a lot.
I'd had my x poison me, was sick, 4 kids to care for, and she had destroyed all my assets and our credit. The mortgage broker helped me a lot, because he deals with that every day and knows what to do specifically.
I'm a pretty sharp cookie in pretty much any business to do with real estate, but part of really being sharp is knowing when to get help from someone who knows more about a specific detail … and that is what you should do now.
Good Luck
8
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Duration : 0:10:26
7
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Nov
Do you think the rates have hit bottom?
We like to use a local mortgage broker but the last time they did not over us the lowest rate out there. We knew the lowest rate from bankrate.com so we got it. Bankrate.com no longer lists the lowest rates in the US. Need another source
It's not just the rates you want to compare, look at the total loan package.
I just had a client go to an internet lender for a quote and the GFE was $5,000 more than the local lender, and if the refinanced in less than 5 years, there was a big penalty.
7
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Mortgage Refinance - refinance,finance NJ&NY area.
Free consultation (718) 891 9255 or
e-mail to:financeNY@yahoo.com
Duration : 0:8:45
6
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Nov
Emma without knowing the following, there is no way any of us can give you a realistic answer:
1. current interest rate
2. prepayment penalites, if any
3. how long ago was the mortgage originated and did you pay points
4. current costs for re-fi: appraisal fee, loan document fee, credit report fee, points etc.
5. balance you are trying to re-fi
You have not given us near the info needed to give you a good answer
6
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Does anyone have any suggestion? Where to look, what to stay away from or tricks of the trade. Made a poor decision on our present mortgage and don't want to do a repeat. Am locked in on present note for 45 more days and then we want OUT. Looking for 15, 20, or possibly 30 year fixed. Am not interested in doing business with Coutrywide. Thanks for your help.
There is no best mortgage company to refinance your home with.
You should find a local mortgage broker by looking in the telephone book. They will offer you the best rates possible based on your credit report and your credit score.
You may be interested in the best rate or a no fee mortgage. You have to decide which is best for you based on your financial situation presently.
You can not address the past and what happen. You have to educate yourself and ask as many questions about your loan as you can think of.
You must ask the mortgage broker to explain each and every mortgage program you are qualified for. This includes the monthly payments, interest rate, any possible prepayment penalties and most important what this loan will cost you.
No one want to trick or cheat you, you have to then take this knowledge and make an intelligent decision that benefit you financially.
I take it you have an adjustable rate mortgage that was not properly explained to you.
Your fees and points should be explained to you on a Good Faith Estimate (GFE). Once you have allowed a mortgage broker to take a mortgage application and run a credit report they should be able to issue you a GFE. Don't get to excited about the first one, it might be a little off and the mortgage broker has a 3 day requirement to do this, so he might be just fulfilling the requirement.
Once you have your GFE now is the time to discuss what mortgage programs you are qualified for as well as discuss the points and fees you will be required to pay.
Keep a pleasant disposition, be open about what you want, make sure the mortgage broker understand your situation. Working with the mortgage broker will be a rewarding experience if you are both on the same page and know what each of you are looking for.
If there is something you don't understand, ask and get a full explanation before you move on to another subject.
Sometimes low points and fees and low interest rates are not spoken in the same sentence. You have to come to an agreement about this.
Make sure you understand the tax benefits of paying points and fees up front as oppose to a no fee no points mortgage.
Just remember no one work for free, not even you, so be prepared to pay for your loan. You have to decide if you want to pay up front or during the mortgage monthly payments.
A no fee no points loan normally mean the broke will increase the interest rate to compensate for the mortgage expense. Make sure you understand this.
Now about the mortgage business itself. The person you are getting your mortgage from will sell your mortgage the next day without fail, this is the nature of the business.
They sell this mortgage to the one that is looking for what is available for sale that day. One of the largest purchases of mortgage loans is Countrywide, so to say you do not want to do business with Countrywide might not be a choice you make.
Even if your mortgage is sold to Countrywide you might not know it as they might have someone called a service company that might service the mortgage for them, so you might not even know that countrywide has purchased your mortgage.
When signing the loan docs make sure these docs say the something you decided on a far as the interest rate, number of years the mortgage is for as well as other things you discussed about the mortgage you decided was best for you financially with the mortgage broker.
If the loan docs are not the same please don't sign them. You are the one that will pay the monthly mortgage so make sure they say exactly what you discussed when you decided on the program
It is too late to blame someone else after the loan docs are signed, so this is your time to make sure that you agree with the loan docs.
I hope this has been of some use to you, good luck.
"FIGHT ON"