Refinancing

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  #1  
Old 01-09-2021, 11:21 AM
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TNLAKEPANDA TNLAKEPANDA is offline
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Default 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
  #2  
Old 01-09-2021, 11:29 AM
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bankrate.com can give you some benchmarks
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Chicago, IL
Little Rock, AR
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  #3  
Old 01-09-2021, 12:28 PM
ohiosbestus ohiosbestus is offline
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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 !!!
  #4  
Old 01-09-2021, 12:34 PM
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Quote:
Originally Posted by ohiosbestus View Post
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!
  #5  
Old 01-09-2021, 12:36 PM
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TNLAKEPANDA TNLAKEPANDA is offline
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Quote:
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bankrate.com can give you some benchmarks
Yes I have checked rates. Looking for a recommendation on a lender that is EZ to work with and does it quickly.

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  #6  
Old 01-09-2021, 02:33 PM
petsetc petsetc is offline
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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!
  #7  
Old 01-10-2021, 05:58 AM
Robyn1963 Robyn1963 is offline
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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
  #8  
Old 01-10-2021, 06:21 AM
Copaleski Copaleski is offline
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McGlone Mortgage...online 2.75% closed December 16th
  #9  
Old 01-10-2021, 06:22 AM
Gsmello Gsmello is offline
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Quote:
Originally Posted by TNLAKEPANDA View Post
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
I recently used AAA 2.62% 30yr
  #10  
Old 01-10-2021, 06:23 AM
Gsmello Gsmello is offline
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I’m just finishing up with AAA we got 2.62% for 30yr
  #11  
Old 01-10-2021, 06:57 AM
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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.
  #12  
Old 01-10-2021, 07:34 AM
jacRI jacRI is offline
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Fairwinds in Leesburg. Never left my house. Downloaded or scanned any documents they needed. Early spring got 2.75% at 15 yrs.
  #13  
Old 01-10-2021, 07:48 AM
Joeint Joeint is offline
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VyStar CU on 466a by Lowes no closing cost, if you keep the loan for 3 years rates, are competitive.
  #14  
Old 01-10-2021, 07:51 AM
DecaturFargo DecaturFargo is offline
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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.
  #15  
Old 01-10-2021, 08:07 AM
PJackpot PJackpot is offline
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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.
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refinancing, recently, don’t, refinance, money

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