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Started By
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Recommended lenders for mortgage refinance
Posted on 2/14/15 at 9:17 am
Posted on 2/14/15 at 9:17 am
I'm looking into refinancing my home and moving in a 15 year fixed. It seems like the options are endless for banks to use.
Should I stick with big banks? Or something online like Quicken? Is there really any difference?
Should I stick with big banks? Or something online like Quicken? Is there really any difference?
Posted on 2/14/15 at 9:24 am to HurricaneDunc
Find a local lender you trust . I made the mistake of going with an online lender last year for a construction to perm. That experience was the worst I have ever had dealing with a lender . They were in California so they couldn't care less about me in SW Miss. Do NOT USE Aimloan.com if you value your sanity.
Posted on 2/14/15 at 9:38 am to HurricaneDunc
Churchill mortgage dot com
Posted on 2/14/15 at 12:12 pm to HurricaneDunc
We refinanced about 4 years ago and used a mortgage broker to find us the best rate. We ended up with Flagstar Bank (had never heard of them before) with a 2.75% rate. Here is there website: LINK
It shows 2.947% for a 15 year loan. Might be worth looking into.
It shows 2.947% for a 15 year loan. Might be worth looking into.
Posted on 2/14/15 at 12:32 pm to HurricaneDunc
I'd stick at least with a trusted company or broker.
In LA, GMFS has done me very well. Switched to them from BoA, and no real complaints. Good rates, easy to speak to and local. Just check over everything thoroughly.
In LA, GMFS has done me very well. Switched to them from BoA, and no real complaints. Good rates, easy to speak to and local. Just check over everything thoroughly.
Posted on 2/14/15 at 12:44 pm to HurricaneDunc
Use a big bank. If you use a mortgage company they will likely sell your mortgage to a bank, if your lucky.
If your not lucky they will keep it and screw you if anything happens. My parents are with a mortgage company and they had a house fire. Their insurance, allstate, paid out within just a couple of days. But they write the check to the lender and my parents. Their lender is holding the check and won't endorse it until after all the work is done. They have excellent credit and have never missed a payment. They also have about 100k in equity. It's bullshite and my parents are having to pay everything out of pocket to get it fixed before they can get the money that the insurance already wrote them a check for 3 months ago. We're talking $40,000 worth of damage here. They are immediately changing their mortgage to a big name bank after everything is done because of the headache
If your not lucky they will keep it and screw you if anything happens. My parents are with a mortgage company and they had a house fire. Their insurance, allstate, paid out within just a couple of days. But they write the check to the lender and my parents. Their lender is holding the check and won't endorse it until after all the work is done. They have excellent credit and have never missed a payment. They also have about 100k in equity. It's bullshite and my parents are having to pay everything out of pocket to get it fixed before they can get the money that the insurance already wrote them a check for 3 months ago. We're talking $40,000 worth of damage here. They are immediately changing their mortgage to a big name bank after everything is done because of the headache
This post was edited on 2/14/15 at 12:48 pm
Posted on 2/14/15 at 7:29 pm to HurricaneDunc
Used quicken 2 years ago
Couldn't be happier. Everything was done online except the signatures. They sent a notary to my house with the paperwork to finalize everything. Quicken was very easy to work with
Couldn't be happier. Everything was done online except the signatures. They sent a notary to my house with the paperwork to finalize everything. Quicken was very easy to work with
Posted on 2/15/15 at 9:21 am to HurricaneDunc
New Penn Financial. Paid $995.00 to re-if my loan with them. 2.875 % just over two years ago.
You can find them on Zillow.
Another option, as others have said is PenFed.
You can find them on Zillow.
Another option, as others have said is PenFed.
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