Looking fo rates on a "No Point, No Fee Refinance."

You should always work with a local Mortgage Banker/Broker, rather than one of the big banks or big national mortgage factories. Locate one or two and comparison shop. But keep in mind that in order to get an accurate rate/fee quote, you will have to formally apply. This means each will have to have access to your credit information. An ethical Mortgage Professional will never quote a rate/fee scenario without knowing what the borrower really qualifies for. 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. Plus we have access to loan products of MANY lenders, not just those of ONE bank, and can better guide you into the program or lender with the best fit 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 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

You should have no problem.. But your making a big mistake if you're trying to shop online.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Not the local "Big" bank, and certainly not one of those 50 states internet lenders or nationwide lenders.. ...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Yeah, Just like William stated you have a Good Scenario but Shopping online will get you NO WHERE!! You'll get ALL kinds of promises that are unrealistic. Again call a LOCAL broker/lender and not the Big Banks or National Lenders. Their rates are high and their fees are WAY to high. Honestly I do not know what people use them and they take forever to close loans. I am lender here in Utah and yoiu know some one looking for mortgage help please have them contact me at 801-971-6901 or www.carlo.blueroof360.com.

Based on the info you have provided, you should have no problem acheiving your goal. We are a direct lender here in NY. I would be more than happy to set up an appointment in my office or anywhere that is convenient for you. Call me at 347-231-4444 or if you prefer email, my address is PBotros@OmegaLoans.net . I look forward to meeting you!

you shouldn't have a problem getting a 0 points mortgage with today's low rates. you can call me at 631-338-3022. i reside within 10 minutes of your location

I lend primarily in my local area but also do in NY but couldn't quote without more information such as whether this is a condo or single family residence; was the HELOC used for purchase of the property originally? In general you should expect a rate close to 3% for no-cost but NY state fees could push that a little higher. I can also get you the name of one of our loan officers in your area if you prefer.

I am a local broker and would be more then happy to provide a full rate and fee estimate. There is no upfront cost or obligation and it takes roughly 10 minutes of your time without providing any personal information. Feel free to contact me through my profile, email me at chris@myqcfunding.com or call direct at 716-799-0846 Chris Corica.

I am mr Elliot Willimas,I am sorry to just sent you an email without yournotification i am just a business man .I offer loan to those that need loanand willing to pay me back..If you want a loan do email me but if you knowyou have any friend willing to get a loan do tell him to contact me.I meanCopy my email don't Click Reply to okay. Via... Email:elliotwillimas@live.com Full Name:............Sex:.............Phone:................Country:..................Contact Address:............Loan Duration:.............Monthly income............Amount Needed as Loan:..........Have you applied before?...........All you need to do is copy my address and reply me with itelliotwillimas@live.com Elliot WillimasLoan Processing Officer

We can do a no closing cost refinance where we pay the costs through an interest rate credit. With 15 year rates in the 2's and 30 year rates in the 3's now is a great time to refinance. Call Jeff Mitchell @ ABC 123 Mortgage, Inc. @ 845-896-5500 x101.