Need to consolidate mortgage and home equity loan into refinance

Enter If the information you have shared is accurate, you should qualify for a very favorable rate. However, there are various factors when determining rate, credit, total debt to income ratio, loan to value, just to name a few. Your ability to refinance, should be discussed in detail with an experienced loan officer. If you'd like further information feel free to give me a call.Cecelia MarlowChicago BancorpMortgage Banker312-738-6294 directwww.yourhomeloanpartners.com

All sounds good acceptable equity and scores apply today to get great rates. I'm Brian and can be reached at ballen@accessnational.com.

Our current no point rate on a 30 year mortgage is 3.875%. There are many factors that will determine what is the best rate for you. I am located in Topeka and when we look at refinancing we do a detailed analysis that gives you a breakeven point and will tell you exactly how much you actually save by year. Fell free to call me at 273-5004 or email me at kdwall@kdwallstreet.com.

Based on your profile, you should not have any problem refinancing at favorable rates. Don't get totally caught up in rates being thrown around. if you take cash out, that affects rates so the lowest rate you see in the market may not be what you qualify for. Also, take into consideration where you are financially and how you plan to meet your finanacial goals as you get towards retirement. If the budget works for you, you may be better looking at loan terms that tie in with your long-term goals, ie 15, 20 or 25 year terms. If you have any questions, please feel free to call me, Brian Gates with Stonebridge National Lending at 913-219-0247(Overland Park, KS)

Based upon the information you provided todays rate for a 30-year fixed is at 4% at no points. If I can be of assistance please feel free to contact me directly, Rick at 913.642-8300 - Metropolitan Mortgage Corporation

Considering all information you provided is verified, and credit is reviewed to make sure no issues are on it such as liens or judgments, you should be able to get a favorable rate on a new loan note. Keep in mind cashout refinance rates are not the same as new purchase rates in the same case scenarios due to investor risk for cashout, but if your loan to value is true to being low, then that does help the risk. Every credit file is so different, so a detailed meeting with a loan officer is needed for specifics to your case. I can be reached on email at: TMoreno@bncnationalbank.com or in Topeka KS at #785-272-0625 ext. 12 thank you. Tim

More information is required to quote, however based on what your stated in your question, it is possible. The better product to look at I would think is a first lien Home Equity Line of Credit. With a HELOC, you apply once and you can tap into your cash as often as you like within the first 10 to 15 years. There is another loan product out there called the Home Ownership Accelerator program. this is a first lien HELOC that is tied into your checking account, without any changes to your spending habits, you can pay off your mortgage years sooner and save thousands of interest. Contact a local mortgage broker, not a bank and ask about the HOA program. WilliamAcres.com