1 time close loan
Hey Jim, Tom from Anthem Mortgage. We had that program awhile ago with several lenders, but I dont think I have one lender left on the wholesale side that can help with that. I would try either Wells or Bank of America!Good luck to you!

How much do I have to reduce my interest rate for a refinance to be worth it?
A good rule of thumb used by most is the $125,000 rule to determine the drop from your current interest rate for it to make sense. For example, if your loan amount is $250,000 you simply take $125,000 and divide by $250,000 to get .50%. So if your rate is 4% now and if you refinanced to 3.50 or lower than it makes...

What can I use the lender credits for?
Hi this is Tom from Anthemloans.com.I would ask the lender to use it to buy down the interest rate and have the rest be applied to closing costs. Depending on loan size I would think in this market you could get at least .125% lower.Regards,Tom303-549-6958