Mortgage Shopping
15 year fixed is what I want
So far from my online search, I've fornd: NBT Bank 3.125% $458 closing costs no points Sebonic Financial 3.125% $458 closing costs no points Wells Fargo 3.5% $2205 closing costs .65 points BofA 3.625% $1700 closing costs .65 points Capital One 3,125% $8700 closing costs no points Why shouldn't I go with a no name bank here? The first two have the cheapest closing costs and no points. Whay the huge closing costs with Capital One? There is a huge disparity in these offerings and I have to sort it out in the next few days, as we accepted an offer on our house and need a new mortgage on the town house that we bought. Any advice out there? btw, I was just kidding about Thomas... :shots: |
got a 2.99%, 15 year from quicken a few months ago. i have a $750 off coupon for friend/family. writing says off your closing costs.
:DAB: |
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I wouldn't worry about who the company is. Odds are that soon they will sell your mortgage to another company anyway. I think in ten years we are on our third or fourth company.
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Show her your sock :D
Gotta be worth a few points off.. :Island14: |
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origination charges
appraisal credit report tax service flood cert interest until first payment title service and title insurance settlement/closing fee binder fee notary misc. |
mine is a 15 year with 4.5 % interest
Chase bank |
Do you belong to a credit union?
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You aren't getting the whole picture with some of those.
The first one looks suspect. Average rate I am seeing with my lenders today is 3.125%. Be careful with no-name internet lenders. There are people out there who work for free, and they should. It really depends what you are looking for. Do you want a mortgage professional or an order taker? I would ask your realtor for a recommendation to someone that knows what they are doing. |
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