I have a middle FICO score of 714, can I refinance into a better rate than 6.5%?

It depends on which type of loan product you would be looking into. Some products do have an interest rate below 4% right now. What is your current rate on your home loan?

Hello,You most certainly can achieve a better rate than 6.5%. A middle score of 714 is quite good. My business partner and I are located in Little Rock - let me know if you want to chat further. bfrench@topflitefinancial.com or 501-276-6786.Thanks, Brian

Call me, Here at Guardian National Bank we are a federally chartered bank (FDIC) and have the lowest fees and rates thinkable. With 14years in the business I can put you into the loan product that best fits your needs. Jamie McKeehan 816-309-0054

Well if your score is 714 then you probably can... but much more info in necessary to be able to quote accurately. Contact a local mortgage broker, not a bank, and apply with them.. They have access to numerous lenders and can find the right one to match your particular scenario. WilliamAcres.com

If you are looking for a traditional 30 year fixed rate loan, rates are right around 4%. Lower rates are available for ARM products, and depending on your plans, this may be something to consider. My 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. But more importantly, He/She is 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. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com