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[Content irrelevant to thread topic. Self-promotional spam and contact information removed by Zillow moderator, see our Good Neighbor Policy].
Feel free to reach out to me via my profile if you have any additional questions or concerns. William J. Acres, Arizona's Mortgage Expert.
I am trying to refinance my home. I have been asking around trying to get the best deal.
I told Quicken Loans that I would not say "yes" to any deal yet since I am still "shopping". When I asked about the FHA option, just to inform myself and learn all my options, he kept saying that he does not recommend it and gave me a brief explanation. I asked, "Can you please email me some information rewarding that?" He answered, "Well, why? Don't you believe me?" I had to ask several times for that information. He repeatedly replied, "Once we lock in, I will email you that information." When I didn't take that for an answer, his next question was, "Is there a reason for not proceeding with this offer?" I answered, "Is there a reason why YOU don't want to send me that information?"
I felt he was not being honest with me at all. He asked for my credit card number at least three times when I initially mentioned that I would NOT make a decision today. I felt very pressured. Terrible treatment! He kept questioning me about my decision to wait to ask around and inform myself.
Ask around before you make a decision and give yourself the time to compare rates at different places. Inform yourself!
I'm not sure if there should be any money exchanged until the lender absolutely knows the purchaser not only qualifies but is in agreement he/she is moving forward with the refinance. That's just my opinion and how we do things...
zich6, every lender I have ever worked with or placed a loan with has required homes in trust to be removed from the trust to close. Once closed, no big deal, you place the home back in trust. The trick is staying alive between closing and getting the home back in the trust.Best wishes, Jim
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For Sale: $199,999
For Sale: $1,199,000
For Sale: $1,349,000