O.K loan home loan peeps,

[River918]

Looking for the best rate on a 30 year fixed with no points and low fees.....

[topless]

HolyMoly is your man.

[USCFAN]

Try Toby here on the boards...

[HM]

HolyMoly is your man.
I thought I was your man?
I don't do internet quotes, but I am sure someone will want to play "fetch the rate and costs" only to not get the loan. Besides, I only work with financially savvy people, because I don't know what the fock I am doing. :D

[HMF'er]

Looking for the best rate on a 30 year fixed with no points and low fees.....
Sent you a PM.

[ChumpChange]

I don't do internet quotes, but I am sure someone will want to play "fetch the rate and costs" only to not get the loan.
Aint that the truth.

[essexjet]

I thought I was your man?
I don't do internet quotes, but I am sure someone will want to play "fetch the rate and costs" only to not get the loan. Besides, I only work with financially savvy people, because I don't know what the fock I am doing. :D
I'll play 5.875% :D

[totenhosen]

I thought I was your man?
I don't do internet quotes, but I am sure someone will want to play "fetch the rate and costs" only to not get the loan. Besides, I only work with financially savvy people, because I don't know what the fock I am doing. :D
Isn't that the truth. Hard to give a rate when we don't know the type of property, primary residence? cash-out?, credit scores, full doc loan?, willing to pay points?, there are jsut too many variables to jsut give a rate.

[Roaddogg 4040]

I would call Debbie Oster @ River Valley Mortgage in Lake Havasu...
928-854-5363...
Steve

[BoneDaddy]

I'll play 5.875% :D
I'll call that and lower you an .125%!:jawdrop:

[TOBTEK]

Isn't that the truth. Hard to give a rate when we don't know the type of property, primary residence? cash-out?, credit scores, full doc loan?, willing to pay points?, there are jsut too many variables to jsut give a rate.
was thinking the SAME THING.
Give me a call, if someone else hasn't already wrapped this up for you. Would like to go to work for you......:)

[TOBTEK]

Try Toby here on the boards...
hey thanks :D :D

[TOBTEK]

I'll call that and lower you an .125%!:jawdrop:
thats pretty funny:D :D just do like Ditech does, advertise a cheap rate and dont tell them about the points till they have filled out the online application.....VERY NICE:(

[Bense468]

I just locked in less then that with no points. :D

[TOBTEK]

I just locked in less then that with no points. :D
less then what?

[Tequila-John]

5.75
On a 30 year fixed no points? Doubt it......

[BoneDaddy]

thats pretty funny:D :D just do like Ditech does, advertise a cheap rate and dont tell them about the points till they have filled out the online application.....VERY NICE:(
There are way too many brokers out there practicing the "Turn and Burn" in my words. And way too many uninformed customers falling for these marketing schemes. Truth is that your real estate / loan consultant should be someone you go back to everytime you have a real estate question. Someone you have a connection with and trust. :)

[Bense468]

On a 30 year fixed no points? Doubt it......
Doubt it all ya want.

[BoneDaddy]

Doubt it all ya want.
I'd like to see your Good Faith Estimate and your Rate Lock.:D

[Tequila-John]

Doubt it all ya want.
I do doubt it. You put that post up and took it down just as fast. 5.75 on a 30 year fixed ZERo points doubt it

[Tequila-John]

I'd like to see your Good Faith Estimate and your Rate Lock.:D
I am sure this person doesn't even know what that is......

[Bense468]

I am sure this person doesn't even know what that is......
ok jackoff.

[Tequila-John]

ok jackoff.
Take it easy bud wow so angrey

[Bense468]

I Love You

[Tequila-John]

Talk shit then call me bud?
Have a nice day bud. :D
you too bud :D

[dicudmore]

I do doubt it. You put that post up and took it down just as fast. 5.75 on a 30 year fixed ZERo points doubt it
lol I've seen better rates than that--but they had large down payments (read 100%) :wink:

[Tequila-John]

thanks for the info

[BoneDaddy]

Doubt it all ya want.
Bense I would like to help you out if you aren't getting what you think you are. This business has a lot of shops that use smoke and mirrors to get you to believe you are getting something for nothing. If you locked your rate in today or in the past couple of days your rate on a 30 year conforming fixed rate loan should be right in the ball park of 5.875%. If it is quite a bit lower than this, then something is wrong. PM me if you want more information.

[acatitude]

ok question..... I just moved back into what was my rental house. now I want to get it back to a primary res rate. should I first contact my lender wa mu?? what are the going rates?? on fixed or int only rates. stated income. lots of equity. dont want to pay points??? ok honest question looking for honest answer from you gurus out there before i start shopping??? thanks in advance for the info

[TOBTEK]

I'd like to see your Good Faith Estimate and your Rate Lock.:D
EZ to just show a GFE, some sleazy L/O probably gave him that rate on the GFE. cant you just see it now at the signing........ "oh, we were able to secure that rate for you....but this is only 0.250 more, only changes your payment a few dollars"
Never have heard of this before:(

[Tequila-John]

EZ to just show a GFE, some sleazy L/O probably gave him that rate on the GFE. cant you just see it now at the signing........ "oh, we were able to secure that rate for you....but this is only 0.250 more, only changes your payment a few dollars"
Never have heard of this before:(
I am staying out of this one bud. I dont want to upset anyone.

[Bense468]

Its all good man. I'm set. Got someone we have been using for years at american home mortgage.

[BoneDaddy]

EZ to just show a GFE, some sleazy L/O probably gave him that rate on the GFE. cant you just see it now at the signing........ "oh, we were able to secure that rate for you....but this is only 0.250 more, only changes your payment a few dollars"
Never have heard of this before:(
Yeah, way too many horror stories of this one.....:mad:

[Tequila-John]

Its all good man. I'm set. Got someone we have been using for years at american home mortgage.
As long as your happy thats all that matters bud.
RIVER DREAMS

[Tequila-John]

Yeah, way too many horror stories of this one.....:mad:
I agree.

[BoneDaddy]

Its all good man. I'm set. Got someone we have been using for years at american home mortgage.
This is exactly what I mean. Someone you have used for years and probably trust is giving you a fair deal. Most customers do not have this kind of relationship with their real estate professional and start over fresh shopping for rates and deals when their needs arise.:idea:

[Bense468]

As long as your happy thats all that matters bud.
RIVER DREAMS
Been around Real Estate for 28 years, might even have learned a thing or two. Moms been top 1% realtor nationwide for a very long time. Own multiple properties. I'm good, but thanks for all your concerns. :D

[Tequila-John]

Been around Real Estate for 28 years, might even have learned a thing or two. Moms been top 1% realtor nationwide for a very long time. Own multiple properties. I'm good, but thanks for all your concerns. :D
No concerns at all bud. I wasn't offering to look at anything for you that was another member. :D

[Roxysnow]

5.75% no points and only hards costs...Keep on stroking your broker because he isn't making shiat!

[River918]

Isn't that the truth. Hard to give a rate when we don't know the type of property, primary residence? cash-out?, credit scores, full doc loan?, willing to pay points?, there are jsut too many variables to jsut give a rate.
I just threw the basics out there to get some contact from people that do loans. Thank you to the people that contacted me regarding the information. Those people that did, I sent them a pm regarding EXACTLY what my situation is and what I am looking to do.
Thanks for all the responeses

[Ivan Dan]

I just threw the basics out there to get some contact from people that do loans. Thank you to the people that contacted me regarding the information. Those people that did, I sent them a pm regarding EXACTLY what my situation is and what I am looking to do.
Thanks for all the responeses
You get my PM the other day?

[essexjet]

I'll call that and lower you an .125%!:jawdrop:
Full Doc 80%; I'm out:D

[Parker Dreamin]

hey BENSE if you did not get into the Investor Lot program then you got F'ed over bud.... oh but wait, you have 28 years and moms that is numbero uno........
you should always be willing to see what is out there and listen, we have 2 ears and 1 mouth.

[River918]

You get my PM the other day?
Yes Dan got it.....I'll PM you back

[Tequila-John]

hey BENSE if you did not get into the Investor Lot program then you got F'ed over bud.... oh but wait, you have 28 years and moms that is numbero uno........
you should always be willing to see what is out there and listen, we have 2 ears and 1 mouth.
Well said bud. But i am sure BENSE knows it all bud. 28 year around the mortgage world is a long time....

[ChumpChange]

Been around Real Estate for 28 years, might even have learned a thing or two.
When you're only 28 years old, do you really count all 28 years as being comprehendable to the real estate industry? :D