Home refinance, who to go to??

[Nick Chapman]

Finally got my credit where I wanted it to be and need to refinance my house. Who's the best for something like this? Where to go???

[UserX]

I recently used http://www.capwestmortgage.com/ and was happy with their rates and service.

[BP]

I had a good experience with quickenloans.

[fordracing19]

Might try Penfed. https://www.penfed.org/productsandra...teslisting.asp

[JFurst]

Rodney Anderson

[Vertnut]

I used a guy by me. Mid America Mortgage. I know him personally, and it was super smooth...

[Real Estate Nate]

I can point you in the right direction. Pm me!

[SVT Lurch]

Who's the best for something like this?

I am. Seriously though, I'd be happy to help.

[BUFFALOHALTOM]

bank?

[txstangnut]

I did a refi with SVTLurch. VERY helpful. SO why not throw some biz to a board member?

[Roscoe]

Please, for the love of God, do NOT use that asshole on tv with the microphone....

"Painfree home loans...... GOT 'EM!!"

He's a fag.

[Lone Sailor]

I can point you in the right direction. Pm me!

I am. Seriously though, I'd be happy to help.

Either one of these guys will take care of you.

[Saleen781]

Willow Bend Mtg, I have never used them but I am in the business and hear great things about them.

[SSMAN]

Make sure you can get your current interest rate down at least 2 points to make it worth while. Sometimes refinancing is not the way to go. If you calculated putting an extra 100.00 per month towards your mortgage payment each month, in most cases this is far better than refinancing. (if you can afford to do that) Paying closing costs all over again sucks.

[SVT Lurch]

Make sure you can get your current interest rate down at least 2 points to make it worth while. Sometimes refinancing is not the way to go. If you calculated putting an extra 100.00 per month towards your mortgage payment each month, in most cases this is far better than refinancing. (if you can afford to do that) Paying closing costs all over again sucks.

You don't necessarily need to lower the rate two points to make it worth while. It's simply a matter of how much you're going to save, how much it's going to cost, when you'll break even, and how long you plan to stay in the house. I've done refinances that were worth it when they only went down 0.375% in rate and I've turned people away when they were going to drop their rate over 2.000% because it didn't make sense for them to do it. Additional principal is a great way to shrink the term, but it's not the best (most efficient) in all cases. Sure it's no fun spending a few thousand, but if it saves you tens of thousands is it not worth it?

I did a refi with SVTLurch. VERY helpful. SO why not throw some biz to a board member?

Willow Bend Mtg, I have never used them but I am in the business and hear great things about them.

Either one of these guys will take care of you.

Thanks guys!