Can I get a better rate if I refinance my home now?

Cannon- I do not originate loans under $417,000+. Although, I believe you may expect a conforming 30-year FRM for about 3.75% or 4% with no out of pocket expense. .... Best wishes. ... Happy Holidays, Rudi

Cannon,Based on what you are telling us you would have access to the best rates possible today. On a 30 year fixed rate mortgage your options would be anywhere from 4.125% down to 3.625% depending on the rate/fee structure you decided was the best plan of action.Please let me know if you would like to see a Total Savings Analysis outlining these scenarios or if I can be of any other help in any way.Sincerely,Greg Cowart

I will need to know more about the loan, the amount and it will depend on a couple other variances. But I will give you the best case scenario to get an idea.40 year fixed at 4.5%30 year fixed at 3.875%This will get you started and you can reach me anytime at the officeAmerican Lending 951-693-5363 or my cell 949-612-5452or by email ronaldf@americanlendinginc.comThanks,Ronald

without any doubt. 30yr fixes are around 3.75-3.99% with no points. Although sometimes it's better option to reduce the term of your current mortgage, but keep the payments similar to what you're paying now. Basically you could aim to save a couple hundred a month, or try to save tens of thousands by shortening the term of your mortgage. Obviously this would only apply if you're not experiencing a financial hardship, and just looking to do better. I hope this information is helpful, and I wish you the best of luck on your research. Feel free to contact me if you're curious, and would like to briefly go over your options.

You can view my rates LIVE directly on my website with no phone call required. We have some of the lowest rates that you will find online. http://www.bluehomeloans.com/fast-quote

Cannon.. don't be confused by all the rates your seeing here today... Most credible lenders will not quote a rate without having obtained your complete profile. The latest lending laws make's it illegal to quote a rate without also quoting the APR... Look above... do you see anything like " 3.75% / 3.97% APR"... nope... contact a local mortgage broker and apply with them.. they have access to multiple lenders and can find you the best rate based on your particular scenario. They can also give you a written quote listing all the costs associated with refinancing... WilliamAcres.com

Hello there:Fo the mentioned senario you can get a rate with today's rate from 3.75% to 4% depends on the sititaion! You can contact me at American Select Funding Inc with any further questiosn you may have :) My direct number is: 714-639-6694Best,Shab

There is a guy advertising on the radio for a fixed rate of 3.25% w/ no points. Sly devil...he gets people drooling, they call in, and are then disappointed to hear it is for a a 15 year fixed loan or that they don't qualify for that rate.....but only after they run his credit report and pay a nice juicy $250 application fee. You should call him and see of you can have a 3.25% 30 yr fxd rate with no points.My question is, why in the world would you want to re-start the whole amortization process over again with a refinance? Would saving that little make a huge difference in your life?The worst thing lenders do it push rate and payment without any regard to starting that whole 30 years all over again. They try and make it all about emotion. No wonder lenders are perceived as just a step above used car salesman.When was that last time a lender convinced you not to refinance?

For a 30 yr fixed rate loan I can get you 3.875% with no points.Total fees including appraisal are around $3,000.John Altman Northvalley Mortgage northvalleyloans.com