![]() is an investment banking firm that provides mortgage services. More importantly it just took 2 phone calls and then a handful of e-mails with the place I picked. View information (),Located in 4121 Camino Del Rio. Got a 3.25% 30 year fixed and spent ~$1.5k in total between closing costs, points, fees, etc (no need to separate all that stuff out points & fees are completely fungible to the lender) back when average rates were more like 3.75. I then spent the next week or two closely watching their advertised rates raise and fall and then called back to lock in a rate when I felt things were at a nadir. They exactly met what they had advertised with zero surprises so I decided to go with them. Aimloan fell down on getting an appraiser out, so they did offer to extend our 30-day lock for another 10 or 15 days. All was done w/ the intention of our receiving a loan at under 80 value of our home. ![]() Last time I need to refi I called the top place they came back with some extra BS fee tacked on so I quickly ditched them and called the next lowest place. It determined the value of our home, our credit rating, and documented all of our income which varies from 110K to 120K per year. Insist that they match the lowest advertised rates you saw if they can't move on to the next one. I learned my lesson after that: Use bankrate & Zillow to find the places offering the lowest mortgage rates in the country and contact them directly. Ally Bank Watermark Home Loans Rocket Mortgage Sage Mortgage. Rates that I got were all fairly ordinary nothing I couldn't have easily beat looking for myself. You will continue to get dozens annoying calls, texts, e-mails, and letters for weeks and months afterwards. Your phone will ring off the hook for the next 24-48 hours with persistent salespeople. Lending Tree was a HORRIBLE experience for me. The national average 30-year fixed refinance APR is 7.27, according to Bankrate's latest survey. Everything is explained in detail and I got the best rate ever. They made my entire loan process a breeze. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Zach Wichter On Monday, May 29, 2023, the national average 30-year fixed mortgage APR is 7.21. AimLoan is a great mortgage company to work with. Ive used twice for refinancing our home mortgage as rates went down. Get your financial house in order, learn how to better manage your money, and invest for your future. I received great service and a great rate. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.
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