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current rate 5.75 on 30 year fix, when should i lock in to refinance? No cash out

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June 16 2010 - Bernardsville
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Depending on the LTV, loan amount and your credit score you could drop your rate by a full percentage point (if not more.)  If you have been in your 30 year for a while you may even be able to shorten the term without increasing your payment by too much.  As Nic said, ASAP.  Go to the Zillow Marketplace and submit a loan request to see what rates and costs you may qualify for or go to the Zillow directory and contact some NJ lenders directly with your scenario.
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June 16 2010
Your should look in as soon as possible. The reason for the "second dip" in mortgage rates is the crash of the European markets.  As things settle down mortgage rates should trend back upwards.  This is not the only reason for the dip in rates, but is a major contributor.

I am a direct lender located in New Jersey and would be glad to answer questions you might have.  Just shoot me an email or give me a call.
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June 18 2010
I refer people to Joe...he's a very competitive and solid lender.
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June 16 2010
Slav...Like Kelly said you could drop a full percentage point on your refinance providing that eveything checks out.  I would be happy to help out.  Contact me through my profile and let's see what can be done
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June 16 2010
ASAP
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June 16 2010
 
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current rate 5.75 on 30 year fix, when should i lock in to refinance? No cash out
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Latest answer by Sean McKeown
June 18 2010 | 5 answers
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