Home refinance with middle FICO score of 751, can I get a 4% rate?

Absolutely you can get a loan and today's rate is 3.875% for a conventional loan with a credit score over 740 and 80% loan to value. Please give me a call at 801.550.1222. I am in Salt Lake and we can do most of it over the phone. Linda Miller, Utah Mortgage Advisors...

Bryce - You shouldn't have any problems getting the best rate available at the time you lock your loan. The best priced loans are going to require credit scores above 740 (check), loan to values of 75% or less (check), and loan amounts over $200k (check)...assuming your debt to income ratio is in line, which it sounds like it is, I'm showing 30 year fixed note rates at 3.75% or a 15 year fixed note rate around 3%. What you get next month, though, will depend on what happens with the market...lenders are currently starting to price in a government fee related to the payroll tax cut, so I wouldn't wait too long if the timing is still okay for you.

Bryce, You have been making all the right choices. Your Credit is great, Your employment is great and you have equity in your home and you pay your bills. We here at Home Loan Xperts Corp would love to help you continue on the path of making the right choice. Our rates are way under 4% and our fees are even better. Call me. Christian at 801-920-7734

Hi Bryce, Thank you for your question. You're on track for the best available rate and very low fees. Our current 30-year fixed rate loan for that size loan amount is 3.875% with no lender fees. The 15-year rate with no lender fees is 3.125% and lastly the 20-year rate with no lender fees is 3.75%. You can run a pricing scenario on our website, www.aspenhillsmortgage.net and you can contact me directly with any questions you may have. My office number is 801-963-2300 and my email address is cmoser@gmail.com.Thank you,Corey MoserAspen Hills Mortgage, LLC

Who knows what will happen next month... rates are very low right now, so you shouldnt wait. As far as asking for what rate you can get... don't leave that question up to an internet post.. your setting your self up for a let down.. Contact a local mortgage broker, not a bank and apply with them.. they have access to numerous lenders and can find the right one for your particular scenario. Have them give you a written quote.. this way there are no surprises.. WilliamAcres.com

Based on the information you provided, I would say you would easily qualify for a rate in the very low 4s or high 3s. I'm not sure your reasoning for waiting to do this. There are a lot of things that could sideways on you and factors we have no control over that could cause us to wake up one morning to 4.5% rates or changed lender overlays that diminish your benefit for refinancing. My advice is to get the ball rolling now. Contact a local Mortgage Banker/Broker, rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She is trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.comW

You should be able to. However, your loan amount is relatively smal and you may have a hard time finding a lender to do a loan that size at that rate.