Profile picture for Joe Gonzalez

Joe Gonzalez

Lender

Senior Loan Consultant (18 years experience)

Specialties:
Purchase Loan,
Refinancing,
Mortgage Planning

Advice

  • (6 Contributions,
  • 0 Best Answers,
  • 0 Helpful)

Contributions are sorted newest to oldest.

How to estimate appraisal of residence for refinancing

Answer

Well we are on zillow.....Obviously you are concerned with value. A few questions for you then: what product do you currently have?  Fannie Mae loan? Freddie Mac? FHA?  What did zillow say it's worth?  What do you owe? There are programs available that can assist you in obtaining a great rate even though your loan to value maybe high. Joe GonzalezSenior Mortgage ConsultantColonial Mortgage Service Company of America - NMLS #126036418 Stump Road, Suite 1 ? Montgomeryville, PA 18936 ? t: [contact removed by moderator] [link removed by moderator]Find Me on the Web: If your rate doesn't begin with a 4 give me a call so you can save!

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IS 4.5% a good rate right now?

Answer

No one can answer that question without know what program & product you are considering, your credit score & the fees associated with this loan.Best thing to do is make sure you work with a reputable lender.Joe GonzalezSenior Mortgage ConsultantColonial Mortgage Service Company of America - NMLS #126036418 Stump Road, Suite 1 ? Montgomeryville, PA 18936 ? t: 610.739.6563 ? f: 610.351.7810 ?www.JoeGonzalez.net

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Where can I find the cheapest mortgage, with the lowest fees?

Answer

On the internet somewhere.  Just remember that you'll get what you pay for.   Example - I had a friend that wanted the lowest rate out there. They finally decided to go with their local bank that claimed to have the best. He said that by the time he was done, the deal changed several times & he was so frustrated that he decided to cancel everything.Go with a reputable lender that can show you on paper what you will save 7 why you will save it.  Make sure they give you several options as well - no closing cost loan, 5/1 ARM, 20 year loan, etc. Before anything, know what your goals are & what you have to work with (what is your score, your loan to value ratio, etc.) Hope that helps.

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Refinance Options

Response

Feel free to give me a call & I'll be happy to give you a reply.  Rates are fantastic right now.

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