With an 800+ credit rating..What is the current mortgage rate in HarfordCounty? Can get an estimate of closing costs?
There are a couple of factors mainly the value of your home that will decide the final rate. Assuming you have 20% equity in your home the rate on a 15 year with NO points would be 3.25% and 3.75% on a 20 year. The closing costs on both options will be roughly $3,000.00. We also have a float down policy..... so if the rates...

Do you do 80-10-10 loans
Currently we do not go above 80% on a second mortgage. I do have a product that will eliminate mortgage insurance with as little as 5% down. Please feel free to call me to discuss this. Tony Sergi410.878.2905

Stay put or pay off loan difference on underwater mortgage?
Good afternoon,you are faced with a situation that a lot of people are dealing with as well. To properly answer your question I would honestly need more information. Please feel free to call me at 410-878-2905Tony Sergi1st Mariner Mortgage

Bad credit
yes you have options. I am a local bank here in Maryland and can provide financing for you as well as look at down payment assitance if you are a 1st time homebuyer. . Please feel free to call me at 410-878-2905Tony Sergi1st Mariner Bank

How can a lender lock a rate and then not honor it?
Did they disclose the locked interest rate to you with a revised GFE? If they did a major characteristic of the loan would have had to change for the rate to change as well. in the end it sounds like the broker dropped the ball on quoting an accurate rate furthermore three weeks to get an approval is a long...

Co-signer on home loan
You can go ahead and get pre approved now and I would suggest getting it done early so there are no suprises. I would be more than happy to help you with this. Feel free to contact me at any of the numbers below. Tony SergiMortgage ConsultantNMLS ID# 3697341st Mariner Mortgagea division of 1st Mariner...

Are closing costs more expensive for home construction than for a standard home purchase?
The closing costs are not more than a standard purchase however your out of pocket is typically more on the construction loan. The big reason is in transfer taxes. you generally will split costs with a seller and can even get them to pay the closing costs on a standard purhcase. However on a construction...

How long before a pay increase is considered on for a refinance application?
typically you will need the offer letter stating the new income and one pay stub reflecting the new income. Feel free to call me with any questions.Tony Sergi1st Mariner Mortgage410-878-2905

First time home buyer with no debt ?
Based on the information provided I should be able to get you financed to purchase a home. I am a local Maryland Bank and have loan programs that allow me to go down to a 600 credit score. To give you a full answer I would need to get a full loan application. If you have some time today give me a call at...

Is a VA IRRRL possible
It would depend on when the last late payment was. I would be happy to take a look at your situation We are a local bank here in Maryland and offer ca free no obligated analysis. Feel free to call me at 410-878-2905 or email at tsergi@1stmarinerbank.com.Tony Sergi1st Mariner Mortgage