 A caregiver who no longer empoyed by me, refusing to move out of my home. How do I get rid of her lawfully? |
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 Should I refinance my home?? |
I'm at 6.25% fixed. I don't need cash out, I just want a lower rate if its possible, on fixed terms. My credit is 730, and I can show my income.
Additional Details
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loks | I spoke to a loan officer about a home loan he told me he can get me 30 year fixed at 6.5 but? |
I just went to the national bank website and found out I can get 6.125 can I just apply direct or what do I say to the loan officer that is helping me lower my APR? |
 |
 
col. Kurtz
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Beware the mtg broker!! Generally speaking they're sleaze ball blood suckers. Dig this, they get rewarded for sticking you with a higher interest rate!! did u know that.? ITS LIKE THE HEALTH INSURANCE INDUSTRY, THE MORE THEY SCREW YOU THE BIGGER THEIR YEAR END BONUS.!!
First check your credit score if you have over 700 you're in the drivers seat... Next go online to bankrate.com or some such and check the retail cost of loans in your area. verify what it costs you, APR, with a point or w/out points. Notice that by checking online you're comparing a retail cost vs. the "wholesale" cost that the mortgage broker gets charged for originating the same loan. The difference is what he tries to stick in his pocket, at your expense!! (sleazzzy) (6.5 sound kind of high on its face)...
Next don't let him stick you with "junk fees", so called warehousing, application fees etc are bunk. even the processing fees and underwriting fees go into that sleazy agents pocket. The only legit fees are those that go to "outside providers" that help you close your loan ie: appraiser, escrow/settlement, title insurance, notary, messenger etc.
Next don't begrudge him a reasonable fee cuz he's got overhead to cover as well, but neither should he try to screw you cuz you're uninformed!!!! |
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bianca
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be carefully about those rates listed on Internet. they stating, that rates start from 6.125 and your specific situation my require adjustment on your rate like your loan size, property style, credit score and so on. |
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acermill
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That you found a rate of 6.125% on a bank website does NOT mean that all applicants will receive such a rate. Your credit score has much to do with the rate you receive, since a lower credit score indicates a higher risk to the lender.
Generally, bank websites quote the most attractive rates available to the most creditworthy borrowers. You can certainly apply, but do not be shocked if you don't get that 6.125% rate, unless your credit is stellar. |
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kitkat12
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Your loan officer should understand, he/she is trying to get you the best rate, and with prime dropping there are so many options. You need to shop around, and it doesn't hurt to apply, you don't need to commit. There are several factors that qualify your rate so you can try several financial institutions. Is it a first or second? |
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Finance&WorkAtHomeSpecialist
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Just keep in mind the 6.125% may include 1 point and the 6.5% may not.
The 6.125% may also be for a conventional mortgage meaning less then a 80% Loan to value |
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Ron Berue
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From the time you left the loan officer, until you went to the site, MAYBE the rte changed.
OR MAYBE that lower rate is for those with wonderful credit.
Call the loan officer and ask about the difference.
THE ONLY way you're going to find out is to ask.
Thanks for asking your Q! I enjoyed answering it!
VTY,
Ron Berue
Yes, that is my real last name! |
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IN_Houston
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You may have something on your credit, or lack of credit history that explains the increase of interest rate. You should bring it up to him and see what he says, he may not be updating as often as the website. Of course the website is used to bring in customers and the APR is based on someone with perfect credit score. Thats why it says "you MAY qualify for UP TO..." |
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Ken O
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What is the loan amount that you are applying for?
I recently refinanced my home with a 30 year fixed. That rate that got was 6.75 because I have a $600,000 loan. So 6.5% sounds good if that is a large loan.
The loan officer told me I could have got a better rate if I had a smaller loan amount under $417,000. That is what they call a conforming loan and the rates are apparently much better than for the larger loan amounts.
It sounds like the rates on the conforming loans are about 1/2 to 3/4% less than rates on the larger loans.
(edit) I see other people who say the rate sounds high. I have a 787 FICO score, which is perfect credit for all practical purposes.
I know I saw advertised rates for much less. My loan officer explained that those advertised rates are for conforming loan amounts under $417,000. She said that the rates for large "Jumbo" losns are much higher. My loan at $600,000 was one of those "Jumbo" loans. |
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InspectorBudget
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Tell the loan officer that he is trying to pull a fast one on you, but you have been resourceful and found out about his dishonesty.
Then go somewhere else. Best to go direct to the bank - if your credit is good, they may be a lot less than brokers. |
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