I want to refinance my mortgage credit 660

It really depends on which type of loan product you have... if your current loan is FHA, then you need to do it right away.. Your credit score and job situation is acceptable.. If you have a VA loan then the same applies... if you have a conventional loan, then there might be an issue with your job, however a good letter of explanation will usually get past it... The best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, not your current loan servicer, 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

It never hurts to jump while rates are low no one knows what they will be down the road, a 660 is good enough to get an awesome rate which in turn would increase your monthly savings. A simple letter of explanation is all that is needed due to your time off. I would be willing to pursue this scenario with you and offer you the best rate possible. Feel free to contact me through e-mail or phone for a no cost no obligation consultation..

I would suggest looking at your options now, it wouldn't hurt! Of course having a higher credit score will help with a lower interest rate (with a Conventional loan), but depending on the type of mortgage you have now i.e. FHA, Conventional, other, it may be worth the look to refinance. If you have an existing FHA mortgage, you may want to wait until after 6/11/2012 because there are some positive changes about to happen with the FHA Streamline Refinance program. If you would like to talk more about that, then please give me a call or send me an email. Thanks!

You need to start the process right now. You need a professional to tell you exactly what is available to you right now. If what is available isn't good enough, they will tell you what you need to do to get where you need to be to get the best possible solution for your refinance. Contact 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. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. 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 888-889-9950