686 Credit Score, need to refinance my home loan

Hi Herman. The rate will depend a little on your credit scores, as well. But, you should be able to get a FRM for 30 yrs at around 3.75% and a 15 yr fixed at about 3.375%. Both of these are with NO POINTS. Feel free to contact me at the info on my profile. Hope this helps.

call me at 920-882-7296 to discuss

This is really the wrong medium to ask these specific questions. You should talk directly with a lender who can properly review your situation. There are at least 21 different criteria that go into making a rate quote. Loan type (FHA, conventional), size amount, loan-to-value, credit score, credit history, property type, closing costs, escrow, and more. Quoting here would potentially be misleading and unfair to you. Contact a licensed loan officer and let them get a full application to give you an accurate quote. Need a loan in WI or MN. Visit me online at www.MortgagesUnlimited.biz

I agree with Herman in that it depends on your qualifying factors; it should be well below your current rate. If you want a free quite from a local lender right here in SE Wisconsin, give me a ring at 262-293-5144 or submit an application at http://www.CloseWithMichael.com/application Thanks,-MichaelMichael CreedSenior Loan Officer & Branch ManagerEnvoy Mortgage, Ltd.800-627-1925, Option 1, Extension 5144 | Toll Free262-293-5144 | Direct262-293-5145 | eFax262-696-9048 | Text Messaging50441 | NMLS ID405 Forest St; Suite 109Oconomowoc, WI 53066Corporate NMLS # 6666

Rates are very low right now, but do be accurate, you need to contact a local mortgage broker, not a bank, and apply with them... they can put everything in writing for you to look at and compare.. Don't be fooled by anyone touting specific rates... by law, lenders cannot quote a rate without disclosing an APR with it. WilliamAcres.com

If you're serious about improving your financial situation with a refinance, you need to pick up the phone and call a local lender who can give you the exact costs and interest rates available in your immediate market.