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Where to refi in Texas?

I've had my home for four yrs and never been late on my mortgage payments. My home is valued $72,000 and I owe $64,000. My credit is about 5.25. I really need to refi. by junior from Lake Jackson, Texas. Apr 3rd 2012 Reply


Conan Henry (conan.henry12)
#106 ranked lender in Texas - 10 contributions

My name i Conan Henry and I am a Mortgage Consultant. If you fill out a short application on my website I would be happy to assist you with your refinance. Lastly I live and work in the Houston area so I can meet you where ever it is most convenient. My website is conanhenry.com

Apr 3rd 2012
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,915 contributions

You can refinance with whomever you wish, but a couple of tips can help. Contact a local non-bank licensed loan officer. You don't have to go to their office, but we suggest someone you "could" drive to if needed. Stay away from whoever you make your payment to today. Stay away from the big internet lenders, and stay away from the non-licensed application clerks at the big banks. In MN or WI, visit www.MetzlerMortgage.com

Apr 3rd 2012
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Bert Carpenter (BertCarpenter)
#38 ranked lender in Arizona - 1,823 contributions

My 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 ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

Apr 3rd 2012
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Leticia Botkin (leticia.botkin)
#115 ranked lender in Texas - 6 contributions

Hi Junior, 5.25 is probably your interest rate? If your score is 525 you will have a hard time refinancing. I would be glad to look at your credit report and give you some guidance.Each situation is different and you might benefit from refinancing in a couple of different ways. Ill be glad to discuss it with you.Nop one can give you a definite answer till they have seen the total picture. Im here to help. Website is www.leticiabotkin.supremelending.com.

Apr 3rd 2012
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