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Looking to refinance my home mortgage, middle credit FICO of 749

I have a home worth roughly 225k with roughly 70% left of the loan. Credit's not great but good at 749 and I make roughly 65k a year with my wife making 30k. Can I get a 4% rate on a 30 year FRM? by josh.t_781_790 from Bismarck, North Dakota. Dec 30th 2011 Reply


DAVID STECKEL (dsteckel)
#50 ranked lender in Pennsylvania - 2 contributions

Hello,Yes you can definately refinance and obtain a rate of 4% with 0 points. Please contact me at dsteckel@westtownsb.com or call me at 610-764-9775 and I can go over the options you have. I look forward to hearing from you.ThanksDavid

Dec 30th 2011
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Ron Pippin (RonPippin)
#26 ranked lender in Utah - 158 contributions

yes, you can get a little under the 4%. By they way, a 749 score is wonderful. My toll free direct numbers is 855-823-2781. Youcan apply right online at www.MyLoanAp.com Ron Pippin

Dec 30th 2011
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Nancy Armstrong (narmstrong)
#12 ranked lender in Kansas - 3 contributions

You can get 4% and possibly even in the high 3's with NO points. Our home office is in Bismark, ND and would be a very easy transaction for you. You can reach me at narmstrong@bncnationalbank.com or at 913.647.7074 (toll free at 877.262.8950 X7024). I look forward to working with you and your wife on this refinance. Happy New Year, Nancy

Dec 30th 2011
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Aaron Brown (aaron.brown)
#77 ranked lender in Arizona - 37 contributions

3.875% ( no points )Lender Fees: $ 840.00Contact me to discuss options ( 30 Yr or 15 Yr ) 888-760-8383 Ext: 226 Aaron Brownaaron.brown@flagstar.com

Dec 30th 2011
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Brian Allen (ballen)
#43 ranked lender in Maryland - 191 contributions

Get it done Today rates at 3.875% for 30 yr 3.375% for 15 I can be reached on 888-354-3299 or ballen@accessnational.com.

Dec 30th 2011
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Bert Carpenter (BertCarpenter)
#37 ranked lender in Arizona - 1,823 contributions

Actually Josh, a 749 score is a GREAT score. As for obtaining a 4% rate to refinane. Based one the information you provided, that should be real easy. My best advice is to 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

Dec 30th 2011
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Blake Kleckner (BlakeK)
#5 ranked lender in California - 259 contributions

Hi Josh:If what you are saying is that your home's loan-to-value ratio is 70%, you should have no problem getting a new loan at 4% as long as you can meet all of the lender's qualifying guidelines. In fact, today I could do this refi for you at 3.75% with no points and about half of your fees paid if you lived in CA, but, unfortunately; you do not. We only do loans here, however, I'm relatively certain you could find a savvy mortgage broker in Bismarck that could come close to the loan I just described.

Dec 30th 2011
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