who can beat 3.25% no cost no fees no points nothing rolled in

My goal is to win the lottery :) All joking aside, if your loan to value is between 80 and 95%, a HARP refinance is pretty competitive. Your numbers indicate you are a standard deal - NOT a HARP refinance. With that said, 3.25% with no costs is a pretty aggressive. At the same time, an offer is just an offer. Actually closing the deal is a different story. Read this story about Amerisave Mortgage and their bait-n-switch tactics for a classic example of "it it sounds too good to be true, it probably is" at http://mnrealestatedaily.com/?p=1451

Based on your comments, I'm not sure anyone here would even attempt to beat that deal.. First it doesn't exist. Most banks are offering a 1.5% rebate ($3300) to the broker at 3.25% fixed, so there's not enough in the deal to pay for your loan and for the broker to get paid for his time, so I think you either you have misinterpreted his deal, or it's a bait and switch tactic, and you're in for a big disappointment... and 2nd, even if someone here were to beat the deal, they do so knowing that you will jump ship for a $5 per month savings in a heartbeat.. Sorry.. I think I'll pass... Also, let's talk about ethics in America.. You have a loan officer who has been working on your loan long enough to "Lock it in" as you stated, which tells me he's put some time into it.. And now after putting him through all this, behind his back you're shopping him... I'm a big sponsor of shopping for the best deal, but my ethics tell me to shop before I commit... 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

there are no rushes on DU REFI PLUS... linda i have a loan officer in california that i can refer you to... if she can not do it , nobody can!! linda

I'm with Joe on this and would like to hear back from you when you actually get this closed.DU Refi does not have the same rates as as standard conventional and that would be the lowest rate I have heard of for that program. If it is true, grab onto it NOW, and tell them to lock and send you a copy of the lock. Have them put their money where there mouth is! Good luck and keep us posted on the actual closing.

I need more info.

Good morning Roger,I would like to ask if you could help me clarify your goal? You are asking about two distinct loan programs which have different guidelines and understanding what guidelines we are going to use is a question of your particular loan type. Do you have a conventional (Fannie Mae of Freddie Mac) loan ( to answer your HARP question) or an FHA (to answer your 203k question?).

If the deal is so awesome, and you "trust" the lender so much... why are you here? Seems you apparently don't trust the lender???

i need for you to email me at yourloanpartnerforlife@live.com your email and phone linda