What type of loan do you have now? VA, FHA, Conv, USD

Hey John... it's very possible, however there's a lot of information missing to properly quote... And you probably don't want to use an internet post to find out what rate you qualify for.. Contact a local mortgage broker, not a bank, and apply with them.. They can look at your "Complete Profile" and give you a written quote based on your particular scenario. WilliamAcres.com

Hello,We can refinance your mortgage at 3.875% with $0 closing costs based on the info that you have provided.Please call me at 770-971-7880.Regards,Ron

With the information you provided it seems reasonable that you should be able to qualify for a rate of 3.75%-4.0% as long as your home appraises for the $225K and you don't have a second mortgage. If your wife is also on the loan you would want to make sure her credit scores are similar to yours if not better. I'd recommend contacting a mortgage broker and starting a loan app. This will provide them with the full picture and they will be better able to assist you from there. I hope you find this information helpful. Please contact me with any questions or concerns. I look forward to speaking with you shortly. Adam Webb, NMLS # 196458, Mortgage Consultant, First Charleston Mortgage, 1 (800) 968-3987 or adam.webb@firstcharleston.com

Rates are good and available if all is what you say is true it will be no problem rates can change quickly you can apply now at www.accessbrian.com or call me on 888-354-3299.

I don't see why not. Don't allow any mortgage broker or loan officer tell you any difference. Rates changes everyday. You can call your local credit union and compare their rates with another bank.

I don't see why not. Interest rates changes everyday. Check with your bank and compare APR and not just the interest rate. Most importantly, do not allow your credit to be pulled several times, it decreases your score. It's been said that if your credit is pulled within a 30 day period, it doesn't affect it...however, I've seen personally and experience a different outcome.

you should be able too.If you are getting quotes remember that some quotes include all closing cost and some do not.Give us a call if you need additonal information.You should be able to shop for with diffetrent mortgage companies in the mortgage rates section fro Georgia at Lender 411 look for local lenders.Regards

Your score, loan balance and ratios are such that you should be able to obtain a 30 year fixed rate loan in the high 3s. More details would be required to confirm that. Contact a local Mortgage Banker/Broker, rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She is trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

John, it looks very possible based on the information that you have provided here, but I would need more information in order to do a pre-qualification. I see that you are in the Atlanta area, and I am too. Call me and we can do a qualification right over the phone. Christina Murphy, 678.493.3366.

Yes you can. Call me at 770-995-8078. Barry Elam Northstar Mortgage, Suwanee, Ga.

Yes, you can get a 3.9% rate.