Zillow Advice: Refinance - What best rate can someone get with excellent credit for a 400 K loan for 5/1 ARM. http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ Zillow Advice | Zillow Real Estate Thanks for sharing http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ Thanks for sharing Fri, 12 Feb 2010 18:36:00 GMT http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ 2010-02-12T18:36:00Z I recently locked a loan ... http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ <p>I recently locked a <a href="http://www.zillow.com/mortgage/">loan</a> for a client in WA state on a <a href="http://www.zillow.com/5-1_ARM_Mortgage_Rates/">5/1 Arm</a> at 4% with $0 closing costs/ $0 out of pocket.&nbsp; They have a 734 <a href="http://www.zillow.com/mortgage-glossary/FICO/">FICO</a> and a 67% LTV. This is for a refi.</p> Fri, 12 Feb 2010 18:34:00 GMT http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ 2010-02-12T18:34:00Z a lot needs to answered on ... http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ a lot needs to answered on your question.&nbsp; So many factors can go into getting a quote on a rate.&nbsp; What is the value of the home currently.&nbsp; Also what type of <a href="http://www.zillow.com/mortgage/">loan</a> are you looking for conventional, <a href="http://www.zillow.com/fha-loan/">FHA</a> or is it a cash out loan.&nbsp; If you can reply back to these few questions that would help out tons with giving you a good idea. Fri, 12 Feb 2010 16:09:00 GMT http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ 2010-02-12T16:09:00Z RD will not work on a 400K ... http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ RD will not work on a 400K loan.&nbsp; The household income caps will prevent that Fri, 12 Feb 2010 15:58:00 GMT http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ 2010-02-12T15:58:00Z USDA RURAL Website&nbsp;--Depending ... http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ <a rel="nofollow" href="http://www.rurdev.usda.gov/RHS/sfh/sfh%20guaranteed%20loan%20income%20limits.htm">USDA RURAL Website</a>&nbsp;--Depending on where you want to live, you can still get 102%&nbsp;LTV with a&nbsp;USDA Rural Home Mortgage. Wed, 10 Feb 2010 23:24:00 GMT http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ 2010-02-10T23:24:00Z &lt;60 LTV, &gt;700 FICO, ... http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ &lt;60 LTV, &gt;700 <a href="http://www.zillow.com/mortgage-glossary/FICO/">FICO</a>, owner-occupied, single family, 3.875 to 4.000 for a "no fee" <a href="http://www.zillow.com/mortgage/">loan</a> where lender/broker pays all cost with closing cost credit.<br/><br/>I assume most would&nbsp;want you to pay your appraisal out of pocket, and then credit you back at closing. Wed, 10 Feb 2010 22:42:00 GMT http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ 2010-02-10T22:42:00Z How much equity do you ... http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ How much equity do you have? Wed, 10 Feb 2010 22:40:00 GMT http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ 2010-02-10T22:40:00Z I should have mentioned on ... http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ I should have mentioned on a Refi, not a new loan. Wed, 10 Feb 2010 22:39:00 GMT http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ 2010-02-10T22:39:00Z 0% Down + 0% Point's + 0 ... http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ <p>0% Down + 0% Point's + 0 Fees = 0 <a href="http://www.zillow.com/mortgage/">loan</a> programs<br/><br/>Good Luck</p> Wed, 10 Feb 2010 22:37:00 GMT http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ 2010-02-10T22:37:00Z No down payment programs ... http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ No down payment programs do not exist unless you are a veteran. Wed, 10 Feb 2010 22:29:00 GMT http://www.zillow.com/advice-thread/What-best-rate-can-someone-get-with-excellent-credit-for-a-400-K-loan-for-5-1-ARM/323511/ 2010-02-10T22:29:00Z