3.0 for 15 year mortgage

[Hessian]

Working on a 15 year cash out lock in because my equity line will expire in a few years and I want the decent rates offered now.

Problem,...Bank of America (BoA) will be attaching all the closing costs--over 3000.00 (unlike when they first did the Home Equity) Settlement is about 90 days away.

Who has found any better deals in SoMd either with a Bank/Lending firm that won't sack us with thousands in closing and create a bunch of hoops to jump through?
*Exc Credit rating
*No addl mortgage
*Have addl collateral if desired
*NO other monthly payments/debts.

I'd rather NOT wait to go over the financial cliff and then loans become impossible.

[somdfunguy]

Have you tried Quicken?

[StadEMS3]

is it FHA or VA? A good friend of mine (we're both retired AF) does painless refi's. He has done all my refi's and saved me a lot of money on both my houses.

[blazinlow89]

Originally Posted by somdfunguy

Have you tried Quicken?

The absolute worst company to deal with. When we first started looking for a house we tried lendingtree and got put in touch with Quicken. They approved us for a good amount, interest rate was high and they did not want to work with us on alot of things. We switched to 1st Mariner when we got serious with a realtor and even after telling the people from quicken we are not interested they would keep calling. Even when we talked to them about our options we asked about USDA RD loans and the guy said they are impossible to get approved for after March, and all of this other BS. Not only did 1st Mariner get us in under the USDA loan, my uncle recently purchased a house with the same program, in October.

Sorry but quicken loans seemed more like a bunch of scam artist.

[Hessian]

Originally Posted by blazinlow89

The absolute worst company to deal with. When we first started looking for a house we tried lendingtree and got put in touch with Quicken. They approved us for a good amount, interest rate was high and they did not want to work with us on alot of things. We switched to 1st Mariner when we got serious with a realtor and even after telling the people from quicken we are not interested they would keep calling. Even when we talked to them about our options we asked about USDA RD loans and the guy said they are impossible to get approved for after March, and all of this other BS. Not only did 1st Mariner get us in under the USDA loan, my uncle recently purchased a house with the same program, in October.

Sorry but quicken loans seemed more like a bunch of scam artist.

I just wanted to know their rates,...left my ph #...a VERY stupid idea. They threw my # out to a variety of lenders who wanted my SS# before telling me a thing. Sorry: That is not on the table. I wonder if Ric Edelman has some suggestions...

[somdfunguy]

I've used quicken with no issues and so have some co-workers. We call the number from our EAP website though. Maybe they treat you differently there.

[Hessian]

Originally Posted by somdfunguy

I've used quicken with no issues and so have some co-workers. We call the number from our EAP website though. Maybe they treat you differently there.

My recollection may be fuzzy,....did I post on Lending Tree=multi salespeople hit within minutes?? Very possible. I KNOW I did look at Quicken,...even called I think.


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Anyone here ever use Monarch Mortgage? (Waldorf office)

[ProfMoneyWise]

Originally Posted by Hessian

Working on a 15 year cash out lock in because my equity line will expire in a few years and I want the decent rates offered now.

Problem,...Bank of America (BoA) will be attaching all the closing costs--over 3000.00 (unlike when they first did the Home Equity) Settlement is about 90 days away.

Who has found any better deals in SoMd either with a Bank/Lending firm that won't sack us with thousands in closing and create a bunch of hoops to jump through?
*Exc Credit rating
*No addl mortgage
*Have addl collateral if desired
*NO other monthly payments/debts.

I'd rather NOT wait to go over the financial cliff and then loans become impossible.

Mortgage Loans, Refinance | Churchill Mortgage

Give this group a try. You really don't care where your lender is located as you do your re-buy of your home.

Also shop it with an independent mortgage broker. One not tied to a specific money product (i.e. company).

The least number of hoops is a streamline re-buy with your current lender as a lot of the paperwork is already done/known.

Challenge all costs and any generated by the money-seller are negotiable. Keep that in mind.

I'm not totally sure what you are looking for (i.e. 15yr cash out re-fi on a HELOC) as I'm referring to a 15yr fixed mortgage on your home. HELOC's are HELL-OCs in my opinion and borrowing on equity is not something I recommend. But I took a stab at the answer so take it for how it was intended.

[StadEMS3]

Originally Posted by blazinlow89

The absolute worst company to deal with. When we first started looking for a house we tried lendingtree and got put in touch with Quicken. They approved us for a good amount, interest rate was high and they did not want to work with us on alot of things. We switched to 1st Mariner when we got serious with a realtor and even after telling the people from quicken we are not interested they would keep calling. Even when we talked to them about our options we asked about USDA RD loans and the guy said they are impossible to get approved for after March, and all of this other BS. Not only did 1st Mariner get us in under the USDA loan, my uncle recently purchased a house with the same program, in October.

Sorry but quicken loans seemed more like a bunch of scam artist.

1st Mariner is where my friend works as a Sr Loan Officer. He took care of me several times. The loans roll right over to Wells Fargo and I can't complian about that, great service from them too.

[Dakota (Premo)]

Originally Posted by somdfunguy

I've used quicken with no issues and so have some co-workers. We call the number from our EAP website though. Maybe they treat you differently there.

Lending Tree might be what they are thinking of... OMG, that is how I ended up in Countrywide HELL!!! And eventually with BoFA. I've now gotten out of all that and went with Quicken - very pleasant - no issues - fantastic rate and barely any fees.

Quicken has been wonderful to deal with... It all depends in what you want. I was okay doing online business and after PMing back and forth with the thread starter, he would like a local, sit down and sign situation.