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HELP!! WHAT TO DO ABOUT LENDERS AND INTEREST RATES...

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squishy1

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As many of you may know, my husband and I are purchasing a home. Countrywide is doing my loan. I have a friend in the mortgage business who is saying she can do better than Countrywide rate of 6.125, 30 year fixed, no pts. She says she can get us 5.875 30 year fixed, no pts. Countrywide doesn't think they can match that. To be clear our loan is stated income because husband just started a new job and really didn't have to work for several years so there isn't a big job history but that would be the only "negative" she states. Credit score is middle 700's, minimal debt, 1 credit card less than 50% to limit, all others paid in full, 50% down, sizable savings & IRA even after making down payment. When we started the process 6.125 was not bad and not much more than the going rate but rates seem to be dropping shouldn't we be able to negotiate a better rate given that?

Does anyone actually know the actual rates as of today and do you think they are going to drop further? Do you think we can get it lower than 6.125% given that we are going stated income?
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December 05 2007 - US
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We need more details:

What is the State?
Purchase Price?
Loan Amount?
Any Down Payment?
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December 05 2007
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Aspiring One-Armed Economist, "walt526"

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City and state?
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December 05 2007
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squishy1

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Newbury Park (Thousand Oaks) California
520K
260K (50%)
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December 05 2007
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That sounds really a good deal.. what is the closing costs? Do you have a GFE?
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December 05 2007
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You can get a 6.25% 0 points with Total Closing Costs of $1,722.90 plus escrow...
Have you thought of doing a 15 yr fixed with that same rate?
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December 05 2007
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squishy1

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Currently getting 6.125 30 yrs fixed with Countrywide, 776.00 lender fees, credit fee, no appraisal fee, escrow has discounted us 50% plus no loan tie in fee.

Friend says she can get us 5.875 fixed 30 yrs, same lender fees. Residential Mortgage is the lender. Waiting on GFE from her, asked for it today.

Just wondering if she is blowing smoke up our a$$ or is that a reasonable rate based on the current rates?
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December 05 2007
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She's saying she will save you $42 a month...
If you really knows this friend and she is a reputable Broker..then yes..it is a good deal.
Do you really need to close on this house?
What On-time Closing Guarantees she have?
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December 05 2007
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Aspiring One-Armed Economist, "walt526"

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Hmm... has anyone else ever found it odd that both hookers and mortgage brokers use the term GFE? And really, it describes the same thing: making you believe something that isn't true in order to screw you and take your money.

Wiki disambiguation phrase on "GFE":
http://en.wikipedia.org/wiki/GFE
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December 05 2007
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I can not beat that on the fly.... I would need a GFE and present it to my manager...you can also check with Wayne Brown (ocMortgagefinder) in our Financing area here in Zillow..he is a broker in CA.
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December 05 2007
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Aspiring One-Armed Economist, "walt526"

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On a more serious note, I'm surprised that stated income is that low, even with the 50% downpayment.

If I had to choose, I'd say go with the non-CFC one. Everytime Countrywide closes a loan, Mozilo kills a kitten.
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December 05 2007
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Tom Davie, "tom368612"

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Hi Squishy.

You can definitly get a better deal than that.

What they are saying is they can get DU accept plus. This means basically 95% loan to value or lower, stated income stated assets. But the pricing is the same for full documentation.

I know I can get you 5.75% with no points or fees. I would shop around more .
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December 05 2007
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squishy1

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well we don't have a lot of time to start researching loans. my friend is a client that i worked with when i was in escrow. they did a a lot of refinances that i processed, they were pretty straight forward for the most part on their deals. i figure i will give her a shot at coming up with a better deal, if she can do it and get us docs on time then good for us. i have told countrywide what she says she can do and they don't think that they can match it but she is going to see.
it isn't a tremendous difference as far as the payment goes but it is a little bit lower. But, I wonder is it even worth it to start over with her for $43/month?
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December 05 2007
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Aspiring One-Armed Economist, "walt526"

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"But, I wonder is it even worth it to start over with her for $43/month?"

It's $43/month PLUS the life of an innocent kitten.

Check out this little guy: http://www.dolittler.com/enclosures/BW-kitten.jpg

He is running as fast as he can from the scary Orange Countrywide Man so he can continue to frolic and enjoy his kittenhood in peace. Do you really want to see him sacrificed?

Everytime Countrywide closes a loan, Mozilo kills a kitten.

One more time:
http://www.dolittler.com/enclosures/BW-kitten.jpg
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December 05 2007
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squishy1

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I am beyond burnt out about this. I am going to put this out into the cosmos, it will turn out how it turns out and that all I gotta say about that!
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December 06 2007
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Rachel Pajaczek, "Seattle Agent"

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Ask all the brokers you are getting quotes from to write a letter to guarantee their GFE, and if they are getting a YPS--how much that is. Make them pay any difference over $500 that shows on your HUD vs. your GFE.
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December 06 2007
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Gordon Stephenson, "Gordon"

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I've had a tough time getting any reasonable stated income quotes from banks or brokers since the August meltdown. fwiw, 6 1/8th sounds great from where I sit -- assuming they can really perform for you.
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December 06 2007
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KD in Texas

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We're getting 5.75 on our new purchase.
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December 06 2007
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Hamp Yonce

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6.125% is high. The question I would ask your friend, the Broker, is how are we going to "source" the stated income. If your hubby hasn't worked much for the last two years, this could be the issue.

A great deal would get you 5.75% stated income, stated assets.

The application would have to have a source for the stated income. Normally this source has to be in place for two years. If hubby has a new "job", meaning he gets a paystub and W-2, the "sourcing" requirement could become a non issue.

Ask the friend, pointedly, do we have to source his income and how will we if so? I hope this helps you. She seems to be giving you factual info, and C'wide is trying to make a killing.
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December 06 2007
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DebtsNMesses

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We just got a loan approved for 5.75, closing in mid dec. Low doc. Countrywide remains 1/2 pt higher for full doc.
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December 06 2007
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Hi Debts, where you got the loan approvement and who helped you did it? do you need to pay any fee for this approvement?
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December 06 2007
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Wow, I did not realize that rates were this low. THis is great news for the housing sector! It's a pitty your not holding off until next year, rates are expected to be even still lower come the 1Q.
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December 06 2007
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Durenda FachtmannCEC CRS GRI, "Durenda"

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squishy

Some lenders will say "no points", but still charge an origination fee.

It would be beneficial to request a GFE from both, to compare your total cost of each loan to you.

It would also be beneficial to see if the 2nd lender you mentioned could lock you in to that rate immediately should you choose to go with them.

Best of luck on your purchase
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December 06 2007
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My friend did lock us in at 5.875 fixed 30 years and has sent in the loan package, should have final approval by Tuesday. My husband does work and had worked the first 1/2 of the year, office closed in June, got a new job in October. Previous to that he was not working "officially", was helping a friend manage his store. Prior to that he and his ex owned a local parenting magazine for 7 years. I did see the GFE and it is as she says. No discount fees or origination points. I don't care if they get a Yield Spread, they gotta make money somewhere. Oh, and I'll get my appraisal, and frankly I am glad about that. I am sure she is doing some sort of finagling, I haven't seen the 1003 application yet. Bottom line, is with the exception of the job history and salary (they aren't counting my salary, as I am not on the loan, (my fico is only 660 and I didn't want to drag down the loan, his his mid/high 700) everything else is as good as it gets. We are in good shape financially and $1500.00 is pretty decent mortgage payment in California. We can afford it and will be able to tough out this market I think. But, if she can't pull it off, Countrywide informed me docs are at escrow waiting to be signed. I emailed her yesterday to ask her to try and get us 5.875 and she said she tried with the power's that be but no can do.... but she said "good news, docs are at escrow"... I guess she didn't take me seriously when I told her that my friend could get us a lower rate. How crappy is it going to be of me when I tell her thanks but no thanks.... I don't feel all that good about that. But, this is business, I guess.
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December 06 2007
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Tom Davie, "tom368612"

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Squishy.

Go with your friend whom has the 5.875%. It is an excellent deal. Good luck with your new loan and new home !!!
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December 06 2007
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plarusa

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She says she can get us 5.875 30 year fixed, no pts. Countrywide doesn't think they can match that.

5.875, 30 yrs fixed, no pts, no fees, stated assets, stated income, from Countrywide, going on a refinance right now. Original loan from Wells Fargo 3 weeks ago for substantially higher. 6.125 is not that far off though.
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December 07 2007
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So, I decided to let my friend submit the loan. She is getting us 5.875 30 yrs fixed with Residential Mortgage (They are also called Redcap) (anyone ever heard of them) Why not save $43.00 a month if you can. So not bad for a stated income loan I think. Thanks for all the good wishes.
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December 07 2007
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Squishy, you're probably so over this loan thing, but you can also check with Shelly North. She's in Ventura. shellynorth@verizon.net Shelly taught the legal aspects of real estate class that I took. She's been in the business for many years, and there's just something about her that seems very trustwothy.
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December 07 2007
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Thanks Angelique, but you are right, I am kinda ready to move on from the loan thing and just do my time until escrow closes. But, thank you for the info. I am sure she is all that you think she is. I can't wait to close this thing. I am happy that we have time to make the move. We close the end of the month but we still have part of our lease left on our rental and unless we can get a tenant in we are obligated to pay rent (which sucks big time) but that gives us the opportunity for a more relaxing move plus gives us time to paint the interior and get some hardwood floors installed.
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December 07 2007
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Very exciting, Sqishy. I was thinking that probably most of the people on this board -- well, at least the some-day buyers and the sellers -- are probably feeling a little unsettled this Christmas.

Did you put the rental on Craig's List?
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December 07 2007
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No, the house is actually managed by a property mgmnt company. The owner lives across the street from me. The PM says he will put a sign out in the front yard, which is pretty useless as we are in a cul de sac and off the beaten path somewhat. He is supposed to get back to me with a rental amount so that I can put an ad in our local paper. I have to stay on top of this guy, he is a bit of a schmo. This is a weird time that's for sure. I am excited about our move. Christmas this year won't be as creative so far as gifts go. I can't make my brain work to that end. It will be gift cards and money, the gift that keeps on giving, lol. I hope your Christmas has a lot of cheer and good fun. Sometimes when things feel unbalanced or out of control, it is time to focus on what is important, health, family, friends. If you have a roof over your head and a job and food on the table you are doing better than a lot of people. Perspective is key I think in times like these.
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December 08 2007

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Discussion 3006 River Grove Dr Tampa FL is in foreclosure but Zillow does not show that. Why not?
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