Zillow Advice RSS: Question-Discussion-Guide,Mortgage Rates,OH http://www.zillow.com/advice/OH/mortgage-mortgage-rates/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate Rate Lock http://www.zillow.com/advice-thread/Rate-Lock/351288/ Andrew needing business isn't the problem and as you can read what I typed is that he should contact his CURRENT lender and see if there is anything they can do before he moved on.&nbsp; My main focus is customer service and I tell all my clients if they call me and say they have found a better rate can you match.&nbsp; I will do what I can to match that rate but if not I tell them straight out that its your mortgage and your the one making the payment.&nbsp; I totally understand if $30 a month is a huge savings for some.&nbsp; <br/>You seem like more of a lender who is more worried about closing a loan and getting paid instead of&nbsp;thinking&nbsp;for the clients best interest.&nbsp; If the lender isn't going to at least try to lower the rate then why should the borrower come back to you.&nbsp; Obviously your not trying to service them the best you can.&nbsp; Boxer it&nbsp;does suck for us lenders if that happens and I it has been done before to me but I am not trying to steal you I am simply telling you that if your current lender can't get you what you want and you need&nbsp;the service of a lender give me a call.&nbsp; Not sure about your lenders Andrew but end lenders I deal with now allow us to lower the rates if the market has gotten better by a .25% so I have called on two loans that I have been able to re-lock to lower rates and to me that is looking out for my clients.. I deal&nbsp; If not I wish you the best of luck in what ever you do<br \><br \>0 replies Mon, 24 May 2010 20:02:00 GMT http://www.zillow.com/advice-thread/Rate-Lock/351288/ 2010-05-24T20:02:00Z How long should I wait for the mortgage rate to go down further? What if the price goes down again? http://www.zillow.com/advice-thread/How-long-should-I-wait-for-the-mortgage-rate-to-go-down-further-What-if-the-price-goes-down-again/178626/ When is the right time to refinance? I have been juggling with this question for a while now. My fear is what if the rates go down after I have refinanced. I would feel missed out if that happens.<br \><br \>12 replies Thu, 18 Dec 2008 16:08:00 GMT http://www.zillow.com/advice-thread/How-long-should-I-wait-for-the-mortgage-rate-to-go-down-further-What-if-the-price-goes-down-again/178626/ 2008-12-18T16:08:00Z Shopping for mortgage. Confused. http://www.zillow.com/advice-thread/Shopping-for-mortgage-Confused/395186/ Ok, its a good idea to get a quote from at least 3 lenders. Each of them want to pull up your credit reports to give you a quote.<br/>Isnt it true that inquiries such as these will lower your credit score?<br/>Initially I have got a quote from one broker, and then got from another one, who gave me almost 1% higher rate and $1500 more in closing costs. Should I try third one too?<br \><br \>8 replies Fri, 15 Apr 2011 06:03:00 GMT http://www.zillow.com/advice-thread/Shopping-for-mortgage-Confused/395186/ 2011-04-15T06:03:00Z Mortgage interest rates just went up above 5%. What effect do you think this will have in your mark http://www.zillow.com/advice-thread/Mortgage-interest-rates-just-went-up-above-5-What-effect-do-you-think-this-will-have-in-your-mark/377961/ What do you see the market reaction to higher interest rates. Will they remain at this level in the spring? What's your thought.<br \><br \>6 replies Thu, 16 Dec 2010 19:15:00 GMT http://www.zillow.com/advice-thread/Mortgage-interest-rates-just-went-up-above-5-What-effect-do-you-think-this-will-have-in-your-mark/377961/ 2010-12-16T19:15:00Z what rate should i expect 5% down http://www.zillow.com/advice-thread/what-rate-should-i-expect-5-down/427889/ Hello,<br/><br/>Have looked at rates on <a href="http://www.zillow.com/mortgage-rates?request=ZR-KQPPCRH">Zillow Mortgage Marketplace</a>?&nbsp; You can shop for rates anonymously and compare.&nbsp; Click on the link, then on the left hand side change the information to your loan scenario.&nbsp; <br/><br/>Thank you,<br/>Candace<br/>Zillow Mortgage Support<br \><br \>0 replies Sat, 07 Jan 2012 00:32:00 GMT http://www.zillow.com/advice-thread/what-rate-should-i-expect-5-down/427889/ 2012-01-07T00:32:00Z Leaving bad review for one of the mortgage broker on zillow http://www.zillow.com/advice-thread/Leaving-bad-review-for-one-of-the-mortgage-broker-on-zillow/427200/ Where can I&nbsp;leave bad review for one of the <a href="http://www.zillow.com/directory/lenders/">mortgage broker</a> on zillow to warn others?<br/><br/>Thanks<br/><br/>Kafil<br \><br \>7 replies Fri, 30 Dec 2011 21:42:00 GMT http://www.zillow.com/advice-thread/Leaving-bad-review-for-one-of-the-mortgage-broker-on-zillow/427200/ 2011-12-30T21:42:00Z The lender I work with quoted 6.25% with 1.25 point on the HomePath loan with 97LTV and 679 FICO. http://www.zillow.com/advice-thread/The-lender-I-work-with-quoted-6-25-with-1-25-point-on-the-HomePath-loan-with-97LTV-and-679-FICO/380401/ If the property is a Single Family in reasonable condition, you might want to look into an FHA loan as an alternative.&nbsp;&nbsp; Even with mortgage insurance included (which drops off eventually), you&nbsp;MIGHT end up with an overall lower rate, payment and costs than the Homepath pricing you mention here.&nbsp; If nothing else it is worth comparing.<br/><br/>More info would be needed to say accurately (property type, loan amount&nbsp;for example), but the offer you have does sound a bit high, but at least is in range with what could be expected for the terms you mention.<br \><br \>0 replies Tue, 11 Jan 2011 23:00:00 GMT http://www.zillow.com/advice-thread/The-lender-I-work-with-quoted-6-25-with-1-25-point-on-the-HomePath-loan-with-97LTV-and-679-FICO/380401/ 2011-01-11T23:00:00Z I am looking for an owner lender loan for Kirtland, Ohio. I own the property (appraised $120k) and w http://www.zillow.com/advice-thread/I-am-looking-for-an-owner-lender-loan-for-Kirtland-Ohio-I-own-the-property-appraised-120k-and-w/501567/ I'd love to talk with you more about this. I think I understand what you're asking but it's not crystal clear. If you're looking for a lender who will lend you money on a plot of land and you're hoping to construct a home on that land, and you build it yourself.. &nbsp;that's probably not going to happen. As I read the post though, I was thinking of a more creative way that could possibly work pending on how you're hoping to approach the project. If you'd like to talk with me more give me a call. Otherwise, best of luck, Kim Lawson, Ohio Licensed Mortgage Loan Originator. Contact and licensing information is located on my profile.<br \><br \>0 replies Fri, 12 Jul 2013 21:35:00 GMT http://www.zillow.com/advice-thread/I-am-looking-for-an-owner-lender-loan-for-Kirtland-Ohio-I-own-the-property-appraised-120k-and-w/501567/ 2013-07-12T21:35:00Z Rate sheet for Realtors http://www.zillow.com/advice-thread/Rate-sheet-for-Realtors/381840/ Considering that Zillow provides a median mortgage quote trend rate chart on almost any page view, and that it has specific pages for other conditions and specific locations, and considering a quote can be requested anonymously at any time by any one, and considering Zillow has a quote request search page that one can look up similar quotes in the recent past for similar criterion without even requesting a quote, I see no reason for even a simplified rate sheet of any kind.<br/><br/>Now, what would be more useful is a chart showing the relationship of selected fees to rate adjustments, or for Zillow to provide separate trend charts for differing % fee ranges.<br/><br/>But Wayne is right; if the original poster wanted responses from Realtors&reg;, the question would have been posted under the "buying" category.&nbsp; Not that any of the responses would have been helpful as most of them have no idea what is on such a sheet nor what to do with it.<br/><br/>(And half the time, you can't even get the loan officers at a local bank to let you look at their rate sheets; they keep them confidential.&nbsp; Sure, they will post a rate on the wall to entice people, but with all kinds of disclaimers).<br/><br/>Besides, most people don't want their E-mail box cluttered with junk.&nbsp; And if it was just a summary table showing minimum qualifications for various programs, why wouldn't a sample table be posted on the question thread for review comments?<br \><br \>0 replies Wed, 26 Jan 2011 04:25:00 GMT http://www.zillow.com/advice-thread/Rate-sheet-for-Realtors/381840/ 2011-01-26T04:25:00Z i need a loan for less than 50000 dollars. where is the best place to apply for one? http://www.zillow.com/advice-thread/i-need-a-loan-for-less-than-50000-dollars-where-is-the-best-place-to-apply-for-one/453031/ If you have a local lender or a credit union, try there first.&nbsp; If your credit is excellent, this should not be a problem.&nbsp; Get referrals from friends who have recently gotten a mortgage.&nbsp; A great resource is local real estate agents.&nbsp; Check Zillow for an agent who works in your area and read their reviews.&nbsp; Find someone that feels comfortable with your needs and call or email that agent.&nbsp; You should not have a problem!<br \><br \>0 replies Wed, 19 Jun 2013 16:24:00 GMT http://www.zillow.com/advice-thread/i-need-a-loan-for-less-than-50000-dollars-where-is-the-best-place-to-apply-for-one/453031/ 2013-06-19T16:24:00Z What can I do to get more (or better) quotes for my loan request ZR-GSPGSXL http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-GSPGSXL/440047/ If you are looking for a mortgage loan I can help. Send me an email if you still need help.<br \><br \>0 replies Tue, 24 Apr 2012 21:08:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-GSPGSXL/440047/ 2012-04-24T21:08:00Z Getting a mortgage after buying investment property for cash? http://www.zillow.com/advice-thread/Getting-a-mortgage-after-buying-investment-property-for-cash/499250/ Recently purchased single family home for cash (15k), estimated value 50k. would like mortgage for 40k. Excellent credit.<br \><br \>3 replies Thu, 27 Jun 2013 14:19:00 GMT http://www.zillow.com/advice-thread/Getting-a-mortgage-after-buying-investment-property-for-cash/499250/ 2013-06-27T14:19:00Z How to select the right Mortgage Lender http://www.zillow.com/advice-thread/How-to-select-the-right-Mortgage-Lender/471272/ Rate boards, such as the Zillow Mortgage Market Place, provide homeonwers with best case scenario rate quotes. Most lenders who advertize on rate boards will market very low rates and have access to very similar mortgage programs such as FHA, VA and Conventional. It's in the homewoner's best interest to contact and request customized options from at least 3 lenders in order to make an informed decision about refinancing or purchasing a home. Also, it's important that you feel 100% confident and comfortable with the loan officer who you work with. Based on your phone interactions with different loan officers, you will find that some loan officers are far more knowledgeable and trustworthy than others<br \><br \>3 replies Fri, 14 Dec 2012 05:22:00 GMT http://www.zillow.com/advice-thread/How-to-select-the-right-Mortgage-Lender/471272/ 2012-12-14T05:22:00Z