How do I refinance my mortgage?

It all starts with a loan application. You can go into a mortgage office, call on the phone, or apply online. Once the lender has the application, they will go over all you options, and let you know what great deals are available to you. So who do you contact? Start with a local mortgage broker in your area... In MN or WI, visit www.Minneapolis-Mortgage.net

The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide 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

The first thing you want to do is to find a local Mortgage Banker/Broker rather than one of the big banks or big national mortgage factories. 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. We have access to loan products of MANY lenders, not just those of ONE bank, and can properly guide you. But more importantly, we are trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Arrange to meet either face-to-face, or by phone to start the application process. You will want to have readily available information they will ask for: Your Name address for at least the last two years, who you work for, how long you've been there (again, for at least two years), their address, your position, income, Who you owe. If you have issues in your credit past, try and gather the details so you can advise your Loan Originator up front. Don't try and hide anything. They will find it. Make sure you check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org. If you are looking for a seasoned Professional, you can alos find one by using the Registry at the National Association of Mortgage Professionals at www.NAMB.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Certified by the National Association of Mortgage Professionals and Licensed in California and Arizona ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

call me Melvin 310-266-1800

Lenders are looking for 3 thingsHow much income you have versus expensesWhat your credit is likeAnd how much you owe versus your mortgage amount.If you would like more info please call me216 337 7520Ray Antonelli

Hello -- it does indeed start with contacting a local, licensed mortgage professional (you might try my affiliated office in San Ramon, at 925-973-5701). Depending on what kind of mortgage you currently have, and when it was taken out there may be some ways to make the process simpler than doing a fully documented loan.

First you need to go ahead and fill out a mortgage application which includes having your credit pulled and your financial information reviewed. After you've been approved the lender will order an appraisal to find out the true value of your property. After approximately 14 to 21 days your refinance will be completed and your new lender will send you a new mortgage coupon/statement. If you need help with your mortgage feel free to call me at 949-610-3126. My name is Shaun and I would love to answer any questions that you have.

The application is the key. Lenders are looking for information and make decisions based on this information. If you are looking for a local company that can help you please feel free to log in to my website: www.gcnhomeloans.com. We are located in Huntington Beach, CA and can answer all of you questions. Ken 714-374-3799