Refinancing
 

Has anyone done a refinancing recently? Who did you use and what kind of rated did you get? I don’t want to spend a lot of up front money to refinance.

Thanks

bankrate.com can give you some benchmarks

we did @3.25% it took over three and a half months. I would never recommend our bank to anyone, it was a complete hassle. Never again !!!

Who was your Bank? I will avoid them!

Yes I have checked rates. Looking for a recommendation on a lender that is EZ to work with and does it quickly.

Thanks

We refinanced/closed in Sept using an on-line lender-Lower.com (Homeside Mortgage) at 2.75%, 30 yr fixed, total costs were about $2,500 which we rolled into the new mortgage. Not too much hassle, but some.

Have you asked your current lender if they would "recast" (the correct buzz word) your current mortgage? Some lenders will for a small fee (under $1,000-sometimes much less), change the current interest rate on your existing mortgage. I know 2 people who have done this.

Good luck!

Erik is great to work with

Erik Björklund | CMB
VP of Mortgage Lending
NMLS ID 129883



407 955 4651

888 259 2257 x
erik.bjorklund@fidelityhomegroup.com

fidelityhomegroup.com

McGlone Mortgage...online 2.75% closed December 16th

I recently used AAA 2.62% 30yr

I’m just finishing up with AAA we got 2.62% for 30yr

Do not use Wells Fargo. System is not user-friendly. Horrible customer service on a rental property. I have been a customer for over 20 years, and Had used them on four houses needless to say, i’m closing all my accounts.

Fairwinds in Leesburg. Never left my house. Downloaded or scanned any documents they needed. Early spring got 2.75% at 15 yrs.

VyStar CU on 466a by Lowes no closing cost, if you keep the loan for 3 years rates, are competitive.

2.99% Citizens First. We looked around, but their rate was best. They also gave a small % off for law enforcement. However, having our current mortgshe with them, we thought costs were pretty outrageous.

VyStar credit union has a no closing cost as long as you don’t pay off the loan within three years, and the rates are very competitive. And when I say no closing cost, I mean zero. They even paid for the appraisal.