[hl0m4n]

my parent's are shopping around to refinance. anyone got any pointers below 5%? i check bankrate.com everday and everyone pretty much on the 5% mark.

anyone know sources at 4.5-4.75 and lower? help much appreciated

[McLuVan]

Originally Posted by hl0m4n

my parent's are shopping around to refinance. anyone got any pointers below 5%? i check bankrate.com everday and everyone pretty much on the 5% mark.

anyone know sources at 4.5-4.75 and lower? help much appreciated

https://www.penfed.org/productsAndRa...gageCenter.asp
good luck man

[mpimping]

who's their bank now? I can get them 4.875% no points...

[mpimping]

* Application Fee $300
* Social Security number of all applicants.
* Complete address for the past 2 years (including complete name and address of landlords for past 24 months).
* Name, address, and all income earned from all employers for past 24 months.
* Copies of previous two years W-2 forms.
* Copy of most recent year-to-date pay stub.
* Name, address, account number, monthly payment and current balance for: installment loans, revolving charge accounts, student loans, mortgage loans, and auto loans.
* Name, address, account number, and balance of all deposit accounts, including: checking accounts, savings accounts, stocks, bonds, etc.
* Three months most recent statements for deposit accounts, stocks, bonds, etc.
* If you choose to include income from Child Support/Alimony bring copies of court records of cancelled checks showing receipt of payment.

If you are applying for a V.A. Loan:

* DD-214, Certificate of Eligibility, or statement from your Commanding Officer if you are on active duty.

If you are self-employed or paid by commission:

* Previous two years Federal Income Tax Returns with all schedules and a year-to-date profit and loss statement.

If you own other properties:

* Address of properties and current market value.
* Any debt owed on properties; Lender's name, address, account number, monthly payment, and current balance.
* Copy of previous two years Federal Income Tax Returns with all schedules.
* If rented; copy of lease.

Mail this to me and I will fill out their application and lock them in. I will send the loan to a FDIC insured bank but that doesn't matter because this is a loan not a savings account so if the bank or company goes out of business their loan get taken over with the same terms. If the rates go down I can float them or switch to another bank if their is a big difference.

[FrankoQ]

Rates in the 4.7ish this week? are they going down?
Maybe it's time for a refinance

[mpimping]

Originally Posted by FrankoQ

Rates in the 4.7ish this week? are they going down?
Maybe it's time for a refinance

if it makes sense do it. you can always float down or switch banks later on. what's the loan amount and rate? what type of mortgage are you looking for? 15 or 30 year?

[Prissy]

i think i am going to go with Chase this week, they seem to have the lowest fees, rates. Someone correct me if I am wrong

[yomama69]

Originally Posted by Prissy

i think i am going to go with Chase this week, they seem to have the lowest fees, rates. Someone correct me if I am wrong

If you can use a credit union, they'll give you lower rates than Chase.

[mpimping]

Originally Posted by Prissy

i think i am going to go with Chase this week, they seem to have the lowest fees, rates. Someone correct me if I am wrong

you are wrong

[yomama69]

Originally Posted by mpimping

you are wrong

I just checked this morning. 4.38% with my credit union.

[mpimping]

Originally Posted by yomama69

I just checked this morning. 4.38% with my credit union.

with no points? post link or ban...

[Nixon]

Originally Posted by yomama69

If you can use a credit union, they'll give you lower rates than Chase.

Here is a great link to some competitive Credit Union quotes. I closed recently on a ref from one of the Credit Unions from this site:

http://www.mortgagemarvel.com/Pages/Default.aspx

[Prissy]

How do I get into a credit union?

[Prissy]

Originally Posted by mpimping

you are wrong

hmm... Whats your suggestion then? Because I've compared Chase with many many other banks. I've done my research

P.S. I know Chase might not have the LOWEST rate, but their fees are sooo low and made it up.

[yomama69]

Originally Posted by Prissy

hmm... Whats your suggestion then? Because I've compared Chase with many many other banks. I've done my research

P.S. I know Chase might not have the LOWEST rate, but their fees are sooo low and made it up.

Bank FTL; Credit Union FTW

Some credit unions have qualifications to be a member, i.e., teachers' credit union or one that you have to reside in a certain county. You'll probably have to open a checking account and put a small amount in there. Just google [insert city name] credit unions. Call and find out.

[rlb]

Originally Posted by Prissy

hmm... Whats your suggestion then? Because I've compared Chase with many many other banks. I've done my research

P.S. I know Chase might not have the LOWEST rate, but their fees are sooo low and made it up.

Chase's fees seem a bit high. Their website has them at 4.875% 0 pts. which is pretty good but their lender fees are about $1,700. mpimping seems like he can do much better that that.

[mpimping]

Originally Posted by rlb

Chase's fees seem a bit high. Their website has them at 4.875% 0 pts. which is pretty good but their lender fees are about $1,700. mpimping seems like he can do much better that that.

they have a no fee program but don't know if it's standard... chase sucks though. anybody that has an account with them knows...

[stimpy]

I bought my house a year and a half ago - bought it with nothing down so I owe almost the full amount. It's 100% into one loan, no PMI, 7%. I have perfect credit.

If anyone is in the 'biz' and can get me refinanced in the 4.x range, let me know
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