We live in Minnesota. We just want to lower our interest rate, and lock in for 30 years.
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Stay away from internet lenders. If you bank locallly, go there and ask. Check around with other local lenders. Get a GFE on closing costs, ignoring closing costs can cost you thousands of dollars.
Do you have an ARM mortage? If so shop around for a 30 yr fixed and take nothing else unless it less years like 25,20. What’s your rate? If it around 5 to 8 state in the same motage you have and paid more on principle which in turn will reduce the amount of time you are paying intrest.
Hi Terri,
Before shopping around for a mortgage lender, make a list of the certain terms and personal concerns to ask any lender to choose the honest from the dishonest.
Begin the list with the amount of mortgage you are inquiring about, ask about the interest rates, PMI, second mortgages, penalty fees, closing cost, application fee, appraisal fee, flexible closing, lock in rate, and fixed or variable rates. From this point, you should have enough information to decide which lender you feel most comfortable with.
The best way to find a mortgage lender who is honest, truthful, and patient is by asking friends, family, and sometimes realtors. The most reliable answers you will get is from people who have used a mortgage lenders services.
Hope this helps!
—
Brad
Trust yourself
You do not need a 3rd party to charge you money to negotiate something that you can do yourself.
Stick to local lenders, ones with offices that you can meet.
Your bank or credit union is your best bet.