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Started By
Message
best lender for home purchase?
Posted on 12/29/11 at 9:35 pm
Posted on 12/29/11 at 9:35 pm
looking to buy a home soon. Whats the going rate? Who should I talk with.
7
Posted on 12/29/11 at 9:41 pm to vettegc
Anyone but Chase and who gives you the lowest rate. Chase will throw about a million fees at you and frick up your tax payment. (anecdotal evidence admittedly)
Your interaction with your bank should be extremely limited so as long as they are willing to give you money, you should shop for the lowest rate possible. Everbank has mine right now and no complaints.
Your interaction with your bank should be extremely limited so as long as they are willing to give you money, you should shop for the lowest rate possible. Everbank has mine right now and no complaints.
Posted on 12/29/11 at 9:58 pm to vettegc
who do you bank with? Check out local banks like iberia or Gulf Coast Bank.
Posted on 12/29/11 at 10:18 pm to vettegc
Bank of America is pretty terrible as well. Their website is pretty basic and you cannot even set up a recurring payment. You have to schedule it every month to be paid.
I really liked Wells Fargo. That's who we had before we refinanced. They offered to set us up on bi-weekly payments (26 payments of 1/2 your mortgage, giving you 13 payments over 12 months). It cuts your 30 year note by 7.5 years, which is nice.
I really liked Wells Fargo. That's who we had before we refinanced. They offered to set us up on bi-weekly payments (26 payments of 1/2 your mortgage, giving you 13 payments over 12 months). It cuts your 30 year note by 7.5 years, which is nice.
Posted on 12/29/11 at 10:19 pm to Pinche
quote:
iberia
They had the best rate when I was looking and the lady at the local office was a pleasure to deal with.
Posted on 12/29/11 at 10:50 pm to Pinche
quote:
who do you bank with?
chase, lol!
Posted on 12/30/11 at 12:47 am to vettegc
I am biased, but I think you should talk to a mortgage lender besides a bank. They can usually get you a better rate, even if your loan ends up with with one of the bigger banks anyway.
I can put people with BofA, Wells Fargo, Chase ect. cheaper than they can get directly from the bank, much quicker too.
All of the banks will set you up on bi-weekly payments, just call the toll free number on your monthly statement.
I can put people with BofA, Wells Fargo, Chase ect. cheaper than they can get directly from the bank, much quicker too.
All of the banks will set you up on bi-weekly payments, just call the toll free number on your monthly statement.
Posted on 12/30/11 at 7:50 am to novabill
wells fargo
4.2
4.2
Posted on 12/30/11 at 10:24 am to vettegc
Chateau MOrtgage. Sandy Whitehead.
Posted on 12/30/11 at 10:26 am to tigerdup07
Quoted 3.875 on a 30 yr a couple of times last week. Now is the time to do it.
Posted on 12/30/11 at 11:11 am to novabill
So if I try to get preapproved with several different lenders, does that ding my credit score? Can I get the rates/terms without doing going through the preapproval process?
Posted on 12/30/11 at 2:29 pm to vettegc
quote:
does that ding my credit score?
If they actually run your credit it does show up. And who ever does lend will probably ask about those.
Posted on 12/30/11 at 10:41 pm to vettegc
You can get rates quoted without having credit pulled. Scores can impact the rates, if your sccore is less than 740 the rate will increase slightly.
This post was edited on 1/1/12 at 3:27 pm
Posted on 12/31/11 at 1:29 pm to novabill
Nothing but good things to say about Iberia Bank when I purchased my new home 6 months ago.
Go see Shannon Babin at the office on Bluebonnet. Absolutely terrific to work with.
Go see Shannon Babin at the office on Bluebonnet. Absolutely terrific to work with.
This post was edited on 12/31/11 at 1:31 pm
Posted on 1/1/12 at 1:24 pm to novabill
quote:
if your sccore is less than 7403
Damn....I thought an 800 was good!
Posted on 1/1/12 at 2:49 pm to vettegc
HR block?
Posted on 1/1/12 at 4:41 pm to DrunkTigerBaiter
What's a good rate right now?
Posted on 1/4/12 at 8:49 pm to vettegc
Got a quote today from quicken loans.
4.25% fixed 30 years.
4.25% fixed 30 years.
Posted on 1/4/12 at 9:08 pm to vettegc
4% or lower depending if your credit is Good. Quoted 3.875 on a 30 today.
Posted on 1/4/12 at 9:48 pm to novabill
quote:
4% or lower depending if your credit is Good. Quoted 3.875 on a 30 today.
Who do you work for?
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