Can I refinance my home to a lower rate?

You can absolutely refinance right now, and your credit score is sufficient. Contact a local mortgage broker, not a bank, and apply with them.. they have access to numerous lenders and can match you to the right one for your particular scenario. WilliamAcres.com

It's worth finding out...Are you interested in a 30 Year loan term?Please let me know How I can help you out.Flagstar Bank: Aaron Brown888-760-8383 Ext: 226

Sounds like refinancing might be in your best interest depending on how long you plan on staying in the home. You can look at a couple of options. One being a no cost option(for a shorter period of time), and than a non-lender paid closing cost option(which would provide you the lowest market rate). You can contact me by email @ fbowden@bncnationalbank.com..thanks Farrell

Absolutely there are better rates for you. My best advice is to 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. Your options include a shorter term that will allow you to pay off your loan much faster, or a new 30 year fixed. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org.

Depends what are you looking for 15,20,or 30 - They are all well below 5% now for the right customers - Your scores are fine and will be sufficient for financing

Much of your ability to refi will depend upon the FMV of your home. Your mid-FICO is okay for a refi, however, it would be better if you can get it above 720, and; ideally, above 740. The 706 won't prevent you from being able to refi, but it might cost you a little more to do so. Your IR is extremely high. If all of a lender's qualifying guidelines can be met, you should be able to refi into a 30-year fixed in the low 4s. If you have been in your loan close to 10 years, or more, you might want to consider a 15-year loan which you should be able to get in the low to mid 3s. I only do loans in CA and can't help you with yours. However, you should contact a local mortgage broker and be able to get the loans I have suggested with no problem.

Yes, a lower rate is available and you should pursue redcing your payment I can be reached at ballen@accessnational.com or 888-354-3299

Yes, you have a considerable amount to save! Based on your FICO scores and loan to value you will be able to drop your rate to about 4.375%. That is including the slightly higher rate for your credit scores. Please call me and we can discuss it further. There are other aspects of a refinance to discuss to be sure we are designing the best plan for your financial status.Pam Gordon, President, The Gordon Group, Inc. 941-758-0600 office or 248-770-7066 cell.

You certainly can and you have a lot to save. Based on your FICO score and loan to value, you ought to be able to drop your rate to about 4.375% on a 30 year fixed loan. Please call me so we can discuss what is the bestplan for your financial goals. Pam Gordon, President,The Gordon Group, Inc. 941-758-0600 office or248-770-7066 cell.

All your scores fall in the good range. From a score alone standpoint, you should have no issues whatsoever to obtain financing. Contact a LOCAL and Licensed Mortgage Professional for a review of your options.