Brian, i think that if you act quickly that you can get that elusive 4% fixed rate! a 15 year loan would be far below that- in the 3.375% territory. Please connect with me to get the process rolling. I'm happy to help!

A rate of under 4% is available as long as :* you qualify * credit scores are decent ( 740-760 are excellent ) using the figures you provided ..the loan to value ( ltv) is 83% ...Are you paying Mortgage insurance now ? if not - there are options that you can use to avoid paying this on the new loan and still keeping the rate low Thanks

Hi Brian,Yes you can. I am happy to go over all of the payment, rate, term, etc. options with you. Call me at your convenience!Lea Snyder www.LeaHomeLoans.comMLO#39346 NMLS#3236503-577-3895Portland, OR

Hi Brian, I was just in Salem this past two weeks. You can get the rateyou want at or below the 4 percent mark on a 30 year fixed. I will pay all of your closing costs! call me at 208-631-2672 and I will explain how. Travis

I'm closing a 15-yr fixed home loan this at 3.375%, no points

Brian, Everything you are asking for appears to be very doable. And depending on who owns your current loan and when it was taken out the Loan to Value may not even be an issue and may not even need an appraisal. In the end no one can promise or do anything without looking at your specific situation. There are many different programs and I can help you find the one that fits your situation. I am located close to you and should you have any further question please call me at any time on my cell 360-901-1023.

Brian, a 30 year would be about 3.875 = about $1265 monthly payment and a 15 year loan would be about 3.25% = about $1890 a month today, upon qualifying. But this rate can change until the loan is locked. Contact me right away so we can get it locked as fast as possible with lowest rate possible. I'm hear to help you shop for the best rate.

Brian,Yes, 4% is absolutely possible, and a 15 year fixed loan can be in the low 3's. The truth is that every interest rate has a cost associated with it, and it is your choice as to the interest rate that you choose. Take the time to compare and let me clearly show you your options with no cost or obligation. You just need to invest a little of your time. You will need to apply for a loan to see if an appraisal is NOT required for a loan. Opes is a direct lender with Fannie Mae with local & quick underwiting and doc preparation. We are located in the Pape building in Eugene. I would be happy to show you your options. Please call Randy Free NMLS# 283930 with Opes Advisors, Inc.NMLS# 235584 541-984-5626 www.opesEugene.com rfree@opesadvisors.com

Hi Brian. Rates for 30 year fixed loans are hovering around 4%, dipping below for short periods and then popping back up. Rates move daily - therefore I use a system to track the driving factors of interest rates to time the market for my clients, locking in rates at the low points. After a short, 5 minute call I can determine your options and help advise the best loan structure for your needs. Feel free to reach out anytime.

If you have served in the Military or National Guard you may qualify for a VA MORTGAGE. Evaluate the benefits of a VA Mortgage while during your due diligence.Harry Newell

You're there. All that you need to do now is find a broker/lender that you think will do the best job for you. ... Good luck. ... Happy funding, Rudi