Looking to refinance a home, 669 FICO score

You can most certainly do better on your interest rate. There are a LOT of questions we would have to ask and analyze. If you wish to call me you can reach me at 513-898-0498 or email me at cbreng@englending.com. I am very familiar with your area and just depending on a few things we can see if it is worth it or not? Thanks!-Chris Brengelman

Would be happy to take a deeper look into this for you. Based on your brief description it sounds like the determining factor would be your credit score. ENG Lending, A Division of Bank of England, always puts your best interest first. We would appreciate the opportunity to serve you. Please visit us at www.cincinnatimortgagerate.net. You will soon find that we are so much more than a Mortgage Banker; we are a company that is dedicated to empowering our clients and referral partners. Don't forget to visit our Facebook Fanpage at http://www.facebook.com/pages/ENG-Lending-Cincinnati/171183536269710?sk=wall Or Call Anytime 513-403-6260

Yes you can do better. Your credit score is not that bad at all. Unlike most brokers that get their pricing from lenders like myself, we do have huge hits to interesst rates because of your credit score. We are a wholesale LENDER that represents dozens of large investors across the country. There are many programs available that you may be able to participate in. Some do not even require an appraisal. Please give me a call for a free no cost, no obligation quote. 614-807-4207 or email me at brian.dawson@wcslending.com

oops I meant to say we do NOT have huge hits to your interest rate due to credit score. lol

Yes, you can probably do better, but how much better is going to depend on the damage the late credit card payments did to your credit. My best advice is to contact a local Mortgage Banker/Broker, rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you into the best program.

Your rate is higher than it needs to be. I'm local to you. I live in Huber Heights and my office is in Vandalia. I'm a mortage banker, which has some advantages, that I'd like to explain to you. We have several loan programs tailored to your specific needs. Please call me, so we can figure the best way to get you a great loan. (937)281-2017 Steve Lachey