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what are the best 30 year terms available on a fixed rate mortgage with a credit score of 740 on a loan of $300,000 LTV 85-90%

by roba73016 from Bowling Green, Kentucky. Apr 13th 2016 Reply


Sorry I should have added this is a refinance and Zero points.

Apr 13th 2016
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William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,722 contributions

Much more info needed.. Besides, No loan officer with any integrity would ever quote someone an interest rate without looking at the complete loan profile.. and any loan officer that does, should be avoided, you would be setting yourself up for disappointment... Loan pricing is based on the MID score of ALL borrowers.. so we would need to know if there is a co borrower (spouse?) and what all 3 scores are for all borrowers to determine the qualifying credit score. Loan pricing is different based on property type.. Condo? Townhouse? SFH? Manufactured home? Multi housing (duplex, tri plex, etc.)? Owner occupied or investment? each one of these scenarios offer different loan rates.. Again, without knowing your complete loan profile, it's impossible to quote you.. Regardless.. if you really want a solid quote, then the best advise I can give you would be to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly, and their quote will be in writing so there is no misunderstanding. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Apr 13th 2016
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Apr 14th 2016
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