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I just got a FHA in Sept.08 can I get a lower rate this soon and what would it cost?

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January 27 2009 - Lakehurst
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Answers (91)

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Hi Julie,

Yes you can refinance and yes, it will cost you.  First try contacting who your current lender is and see if they could do an FHA streamlined refinance for you.  If they say no, contact your broker you went through, normally most reputable brokers will cut fees if you are a return client. 
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January 27 2009
Profile picture for Mr Caveat
lol, no gregorio was definitely right, i was slamming your post(s)

a more professional broker wouldn't revive a thread from 10 months ago
(but you did)

nor would he say that the "only good answer" must be delivered in person. it is completely possible to answer a question through this medium completely.
(but you did)

if you have a specific inquiry like credit score, you can suggest the ZMM and have them fill out a create request, ~OR~ you can just ask "hon, i need your credit score and annual income"
(but you did not)

let the buyer beware.(of mortgage brokers who want to communicate offline for no good reason, they want something)

 zillow is for the average joe.
(not just pros)

instant gratification, completely anonymous. thats america.
(as in i dont want you to have my e-mail or SS number)

oh and pot? this is my good buddy kettle. kettle, this is pot.

your APR is now: 5.2856 as I stated above.When a broker says that your APR will be 5.8%, it usally means theres a 1 or 2 points added into your loan. Be careful doing business with people like that.
^^^
(that is you commenting on someone else's post mi' boy)

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September 27 2009
Profile picture for Joe Cafiero
Doug.  I guess lending in NJ just got a little bit easier knowing that Victor is some of our competition
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September 26 2009
Georie to a professional is like oil to water. :)
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September 26 2009
Profile picture for Mike Politzer
Come on Gregori, we're all professions here
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September 26 2009

And I'm about to turn off this computer and I see some guy trying to be funny but... as he looks around waiting for a chuckle, anyone he asks... nope, once again he finds himself talking to himself. :)

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September 26 2009
Mike, he's not evolved enough for a Darwin. As they say ... "the higher a monkey climbs, the more he exposes his a--!"

This little chimp is a climber!
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September 26 2009
Profile picture for Mike Politzer
So I'm sitting here watching my Golden Bears' season go out the window....getting whipped like a red-headed stepchild....and along comes this guy....and I'm feeling so much better all of a sudden...

I wonder if there might be a Darwin Award in his near future
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September 26 2009
Doug,

You are welcome son. Do you think it was not meant to be commented on? If so don't you believe Zillow would have removed it? Unless you are stating that Zillow is incompetent. Please advise.

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September 26 2009
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Vic,

Thanks for digging up a thread that almost became a "net classic"....wow...fun reading thru THAT again...all the posts removed for fighting...ahhh those were the good old days on zillow....what was that date? Jan/09? yeah, that's it! Can ya find anything older?
This is great!
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September 26 2009
Perhaps you didn't understand. Gregori, this is a forum for professions.
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September 26 2009
What's funny Victor is that you are apparently not even quick enough to understand what NTETS just said, and since you like thanking people for slamming your posts ... I will expect a gift basket delivered to my address sometime very soon!

 You are a true classic and will add much joy to everyone that posts here.  Keep up the good work.
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September 26 2009
Excellent! Well written NTETS!!!

I enjoyed everything you wrote!

Thank you

Victor
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September 26 2009
Profile picture for Mr Caveat
a more professional broker wouldn't revive a thread from 10 months ago, nor would he say that the "only good answer" must be delivered in person. it is completely possible to answer a question through this medium completely.

if you have a specific inquiry like credit score, you can suggest the ZMM and have them fill out a create request, ~OR~ you can just ask "hon, i need your credit score and annual income"

let the buyer beware.

but you are right, zillow is for the average joe. if you want professional networking, go to linked-in or active-rain/trulia... unfortunately average people come here to be talked to like average people and to participate in a forum where the professionals try to help them, no strings.

instant gratification, completely anonymous. thats america.

oh and pot? this is my good buddy kettle. kettle, this is pot.

your APR is now: 5.2856 as I stated above.When a broker says that your APR will be 5.8%, it usally means theres a 1 or 2 points added into your loan. Be careful doing business with people like that.
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September 26 2009

Andrew,

Zillow to me is equivilant to a playground of children at play. You will see that the more educated, professional, and humble mortgage professional would never comment on anyone's post. In fact, Professional mortgage consultants are secure in their dealings and not looking to bad mouth or belittle anyone. Consequently, If it were me, I would assist, help, and or motivate our industry and all players in it.

Sincerely,

Victor

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September 26 2009
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Vic,

This thread is from January and the only reason to try and get a client off the threads is so that other lenders can't expose your sales pitch!
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September 26 2009

Julie,

There are numerous questions first that I would need to know to give you a more define answer. But generally speaking, you can refinance and the cost are $______

Please email me for that answer because If I put it on here... It would be considered "self promoting" as zillow puts it. :)
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September 26 2009
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{On topic--Question was answered within the first few posts}



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January 29 2009
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[off topic-never posted]
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January 29 2009
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{ Off topic-removed}





Just wanted to fit in.
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January 29 2009
Profile picture for Jason Hall
Wow Julie just wanted to know about an FHA streamline and she ended up with all this bizarre talk about cat nip, criminal history, some pee game on the wii (my son would like that one - maybe it could help his aim?), scratching your butt, personal experience or lack thereof, bashing back and forth and who knows what else.  Guess we won't be seeing her on here EVER again after her first experience.  I actually found this whole thing kinda comical as no one here can be serious right?  I never get on the threads because it seems like a colossal waste of time - guess I was right. 
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January 29 2009
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[off-topic - removed]
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January 29 2009
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[off-topic - removed]
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January 29 2009
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[off-topic - removed]
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January 29 2009
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January 29 2009
I think it is best to let Zillow handle this. 
They have been emailed.


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January 29 2009
Sorry Jen, hate to disappoint you. 

Larry, whatever happened to him?
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January 29 2009
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January 29 2009
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January 29 2009
The funny thing is, I just got through saying to a fellow mortgage pro, 'I bet it was Tammy'. Tammy, I hope they boot you off of here. That was really below the belt, and childish. 

Thanks for the support guys! True colors start showing when everyone else is heading for the hills. 

Now I don't have to waste any more of my morning fighting off ludicrous attacks. 

Goodbye, Tammy. 

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January 29 2009

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