Hi I'm interested in finding out information for a refinance in Atlanta, GA

That's a terrible deal... I know for certain you can get a better deal.. The worst thing you can do is go through your current servicer; They most always take advantage of their current borrowers. The best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Contact a local licensed loan officer to discuss your overall situation and qualifications. How do you know if your loan officer is licensed? Go to www.NMLSconsumerAcess.org. Type in their name or NMLS number. Look at the end of their information page. If it says "Federal Mortgage Loan Originator", they DO NOT have a license. Do NOT work with them.

Rate is on the high side. Would be happy to provide a quote for you. Local Atlanta company. 404-303-7411. www.buckheadhomeloans.com

This is what you need to do. Contact a local Mortgage Banker / Broker. DON'T use one of the big banks, DON'T use one of the big national Mortgage factories, and DON'T use the people you are currently making payments to. Chase is trying to take advantage of you because you are with Freddie Mac and very few investors are willing to consider Freddie refi's under HARP. They think they have you over a barrel. You should be looking at a rate close to 4 and you should not have closing costs should be close to $1,000. $2,000 at the worst. I just locked one at 3.75%, 30 year fixed. Most of your closing costs are going to be for title. Your local or regional Mortgage Banker/Broker is better equipped to handle the HARP program and will have access to many more investors so you get the best deal possible. I not licensed in GA, so I can't help you. Whomever you choose, make sure you check them out at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com 888-889-9950

i SEEM to be getting all ofthe refis for harps in ga... email me your address to yourloanpartnerforlife@live.com and who is your current bank? a lot o people do not realize that this can make a big differnce.. linda

No deal. Shop around for a better rate