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Broker for underwater refi

Bought my home in 2005,Fannie Mae backed, 30 yr fixed at 6.15%.Never been late on payment ,My score is about 665,my partners score about 730,I am underwater on my mortgage by about 130 LTV,My bank will not help me .I would like to refinance to 15 or 20 year at better rate,Can i get a better rate thats worth refinancing since its underwater.Need a honest broker to help by bbi22_506_391 from Largo, Florida. Aug 9th 2012 Reply


Andrea McCormick (amccormick@providential.com)
#163 ranked lender in Florida - 3 contributions

I am a licensed in FL and I work with Supreme Lending. We do have programs which, from the information provided so far, would be available and beneficial to you, but honestly, I would need more information in order to determine whether or not you would be eligible and able to benefit from it. You can contact me after 10:00 am 8/10/2012 if you are available to discuss further. My ph 786-285-2041 email andrea.mccormick@supremelending.com or you could submit your information through my web site www.andreamccormick@supremelending.com through the online application.

Aug 9th 2012
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William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,728 contributions

The best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Aug 10th 2012
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Peter Botros (PeterBotros)
#70 ranked lender in New York - 895 contributions

Best move for you would be to get quotes from 3 of these brokers and you will be able to choose the most favorable terms.

Aug 10th 2012
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Bert Carpenter (BertCarpenter)
#1 ranked lender in Arizona - 2,431 contributions

It sounds like you could benefit from a HARP refinance. To find a qualified Mortgage Professional in your area, check out The National Association of Mortgage Professionals at www.NAMB.org. To find one that serves your area, click the "Find a NAMB Broker" tab and select your state. Members adhere to a strict Code of Ethics which benefits the consumer. ~ Bert Carpenter, is a Certified Residential Mortgage Specialist and leads the LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com 888-889-9950

Aug 10th 2012
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Based on what your saying I think we may have some room to help you. I may even be able to cut your rate by half. First things first, you need to get qualified. I am a Fannie Mae & Freddie Mac partner. We can get you financially approved. I have much experience working with projects and properties in Largo. I won't waste your time. We have over 20 years experience making mortgages. No points with me. Great rates, actually the best. I welcome people to shop me around. We're not here to make our month off your loan, were here to give you the best rate, no points and the best service. We live from referrals from people like you. The consultation is free. No strings, just straight talk. So please I welcome you to contact us at 1.800.218.6402 x189 Otto or otto@forresttrust.com We have an A+++ with the BBB & Iam in Miami by FIU.Thank you for the opportunity to gain your business,Ottowww.forresttrust.comotto@forresttrust.com1.800.218.6402With You Every Step of the Way!

Aug 10th 2012
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Melvin List (melvinlist)
#144 ranked lender in Florida - 124 contributions

Most lenders are going to have certain restrictions on the HARP program so I would recommend shopping it out with a small brokerage company. If you would like a second opinion on your HARP loan give me a call.

Aug 10th 2012
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Ralph Richard Guertin (ralph@absolutelowrates.com)
#136 ranked lender in Georgia - 807 contributions

I can get you done at the best rate and terms Period!

Aug 10th 2012
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Linda Wintersteen (Linda123)
#62 ranked lender in Arizona - 1,256 contributions

IT , depends on your lender/ service r there is one particular service r in FL that is not allowing harps to go thru, if you go directly... But I have worked with quite a few with this particular servicer.. TO keep your privacy, and not have to announce to the internet world, please email me at yourloanpartnerforlife@live.com linda

Aug 10th 2012
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Jesse Olson (jesseolson)
#657 ranked lender in California - 37 contributions

Hello, I am not a Broker but I am an honest Licensed Mortgage Banker for a Direct Lender. If your loan qualifies for the fannie mae assistance, then yes you will be able to drop your interest rate by 2% +. Unfortunately, I am not licensed in the state of Florida but I do know Bankers who are so If you would to learn more please feel free to contact me at jolson@afnmortgagelenders.com or 949.491.8607, thank you.

Aug 9th 2012
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