Looking to Refinance but Have a Few Questions...

You can go to any bank you choose. Fee's do vary by bank, but for the most part should be around $3000. If you carry Impounds, pay taxes and insurance through your payment, then the closing cost would be slighty higher, since those are collected when refinancing. You should also pay close attention to the APR. Not just the rate. If you are offered 4.75% and the APR is 4.99%, then there are more fees financed than if you were to have an APR of 4.85%. The closer the rate is top the APR the less fees you pay. You can roll the Fees into the loan. My name is Rich, Please email me for a rate quote @ rconstantine@myhsoa.com. Hope this helps. RC

You can refi with anyone you choose.Fees do vary from place to place.You should never have to pay more than $2000 in fees.

no, you can pick any lender you chooseyes, fees vary from lender to lenderany new fees could be rolled into the new loan, those fees will vary depending on the current type of loan you have and the new loan you receive. would love to speak to you (888) 435-7190 Joe Garrett.

No you can do this through any approved lender. Do you know how much equity you have in the property? (i.e. did you put 20% or more down or did you do FHA? Or other? Please call me directly and I can go over this with yout to give you a good answer to your questions. I am here to help you; no strings attached. 505-238-1218

Also, your fees are determined as follows; you can either pay origination fee and get a lower rate, or you can still get a slightly higher rate with no origination fee. Many states have caps on what a lender can charge you. Always, always compare your APR rates on your truth in lending statements that the lender MUST give you within 3 days of your application. Also, if you are quoted a rate, the person quoting must provide an APR rate with the interest rate. The closer the interest rate is to the APR rate, the less you are paying in fees. Don't compare the fee breakdown; compare the APR. I hope that helps you! 505-238-1218

If you go through your bank the rate will most likely be higher than if you go to a mortgage broker who can shop your loan and get you the best rate possible. Your P/I payment on 105K at 4.5 is $532.02 - your fees shouldnt be more than $3,000.

What is the value of your property now? Do you have an FHA, VA, USDA or Conventional loan? 4.5% is possible home many years are you want to refinance to 30/25/20/15? Fees do vary. I'd love to talk in more detail depending on the state this property is located in.