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Answers (14)
- Stan Bril, "Stan bril"
- Contributions:23
Steve,
Ask your friends, family, or anyone you trust if they know of a mortgage professional that can help you in NJ. I am sure that if they refer you to someone, that mortgage professional will get you the best rate out there and will be someone you can trust as that is why they were referred in the first place. Good luck.
Ask your friends, family, or anyone you trust if they know of a mortgage professional that can help you in NJ. I am sure that if they refer you to someone, that mortgage professional will get you the best rate out there and will be someone you can trust as that is why they were referred in the first place. Good luck.
- Jeanne Feenick, "TopNJAgent"
- Contributions:149
Get a recommendation from those you trust - I've got a mortgage rep that I respect - very sharp, hardworking and conscientous. If you'd like the contact info - send me an email and I will be happy to share.
- Joseph Cordova, "Joseph S. Cordova"
- Contributions:42
Steve,
I gave you the link to look up any lender & loan officer's license (google nmls consumer access org). Other than that, I recommend making a call to a couple lenders you trust from what you have learned here online and find out exactly what terms you can recieve on that particular day. Or feel free to to stop by my location off of route 73.
You can contact me through my profile. Again, best of luck to you!
I gave you the link to look up any lender & loan officer's license (google nmls consumer access org). Other than that, I recommend making a call to a couple lenders you trust from what you have learned here online and find out exactly what terms you can recieve on that particular day. Or feel free to to stop by my location off of route 73.
You can contact me through my profile. Again, best of luck to you!
- Ozzie Marten "OSH", "theoshgroup"
- Contributions:43
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- Clay Branch, "Georgia Loans"
- Contributions:7836
Steven, take a couple minutes and click on Joe's avatar, the 20 Year Anniversary pic. It will take you to his reviews on Zillow ( several pages ). Read what other borrowers say about him, see if those comments match what you are looking for.
- StevenLauterback
- Contributions:2
Thank you all for your contributions. Mine is a simple refinance with good credit strong equity. What does the borrower look for to determine experience and working for me?
- sunnyview
- Contributions:25139
Find an agent on your own that you can trust. You can ask for referrals, but you need to make sure to choose an experienced lender working for YOU and not the agent you are working with.
- Nicholas Ribeiro, "NicholasRibeiro"
- Contributions:1807
Your agent should be able to recommend a great mortgage professional
- Clay Branch, "Georgia Loans"
- Contributions:7836
Rita, there is no secret, the premium for a certain interest rate is used to offset the closing costs. Sometimes it can be .250 higher than the best par rate, sometimes it may be .500 higher due to price adjustments, loan size, etc. Many lenders can also offer an FHA rate of only .125 higher than the par rate pay all closing costs and part of the prepaids. Since Joe Cafiero just pointed out very low Title fees in NJ, then the OP should see an excellent rate/quote if he has good credit and a decent loan size. Steven, give Joe a look for sure!
- Rita A. Walker, "Rita Walker"
- Contributions:277
No closing costs that you see, is more like it. If they are offering no closing costs, those fees will most likely show up in another form somewhere else in your loan.
- Joe Cafiero, "Joe Cafiero"
- Contributions:3221
Steven;
A lot depends on the specific situation as to what can be done but yes there are some pretty great rates out there and the oppotunity to take care of some of the closing costs. On top of that NJ as a state generally have the lowest title/settlement fees in the Northeast. Happy to discuss your situation. You can contact me through my profile.
A lot depends on the specific situation as to what can be done but yes there are some pretty great rates out there and the oppotunity to take care of some of the closing costs. On top of that NJ as a state generally have the lowest title/settlement fees in the Northeast. Happy to discuss your situation. You can contact me through my profile.
- Andreasmolin
- Contributions:0
Have you tried shopping for custom mortgage quotes on Zillow Mortgage Marketplace. Check it out here
You can can filter your quotes based upon fees, APR, etc.
Make sure to check out the lender reviews for positive and negative feedback from past clients too.
You can can filter your quotes based upon fees, APR, etc.
Make sure to check out the lender reviews for positive and negative feedback from past clients too.
- Geofrey Merino, "GMerino"
- Contributions:445
Rates are competitive and true, you should be able to find a no closing costs loan. However, there is always a catch. The no closing costs is usually associated with taking a higher interest rate. Even doing that rates are great. Shop around and work with someone you feel good with.
- Joseph Cordova, "Joseph S. Cordova"
- Contributions:42
Steven,
You are going to see different options with fees, or no fees, and lower rates than others from state to state. So that is not a good comparison. We should compare NJ. It will depend on the term you are looking at, for example, 30 year vs. 15 year loans. Typically on a conventional loan, if you take a .25% higher in interest rate than the market zero point loan, you can have 1% paid to cover your closing costs (no fee option). Obviously, the larger the loan amount the more that 1% is going to cover.
What you should be looking for is the correct mix between the lowest rate you can recieve vs. the fees associated with that rate.
You can also review each lender on the website for their NMLS license to review their licensing credential and how long they have been in business. Search for NMLS Consumer Access in Google. My NMLS is 146855.
I am in Marlton if you need assistance. Contact me through my profile. Best of luck to you!
I am lost trying to find a trusted mortgage lender in NJ.
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