want to refi my mortgage, who is the CLSB guru? - Chicagoland Sportbikes
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post #1 of 40 (permalink) Old 07-05-2011, 09:11 AM Thread Starter
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want to refi my mortgage, who is the CLSB guru?

I was working with a company on getting my mortgage refi'd and the guy isn't very helpful and non responsive. I am ready to make a move.

I currently have a fannie may product, have excellent credit, never been late on a payment. I am also upside down on my house (I think) and am currently paying PMI. If somebody can help me for a reasonable cost, please shoot me a PM with your contact information.

I am ready to move now unless somebody says otherwise, I have an ARM that adjusts for the first time in approx. 18-20 months. I am simply looking to get into a 30 year fixed product at a payment that is as close to (or less if possible) than my current amount. I am currently at 5.5%.

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post #2 of 40 (permalink) Old 07-05-2011, 09:18 AM
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Sorry to tag onto your thread, but I was thinking about posting the same thing.

I'm looking to FHA Streamline if someone here does that and now is still a good time.

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post #3 of 40 (permalink) Old 07-05-2011, 09:25 AM Thread Starter
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Quote:
Originally Posted by Lonely Raven View Post
Sorry to tag onto your thread, but I was thinking about posting the same thing.

I'm looking to FHA Streamline if someone here does that and now is still a good time.
Eric,

What is an FHA streamline? I apologize but when it comes to mortgage stuff, I am a self admitted idiot. I don't know anything of what is out there, that is why it is important to me to find somebody here on CLSB, a group of people whom I trust to not take advantage of me.

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post #4 of 40 (permalink) Old 07-05-2011, 09:35 AM
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post #5 of 40 (permalink) Old 07-05-2011, 09:42 AM
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A few years ago, before Esme got into the industry, I refi'd via a guy named Greg at MetLife. It was a recommendation from an old thread here. He's not local but it didn't matter... we did everything over the phone and via snail mail. It was quite painless and his rates were good.PM me and I can dig up his contact information.
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post #6 of 40 (permalink) Old 07-05-2011, 09:47 AM Thread Starter
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Quote:
Originally Posted by Bek View Post
A few years ago, before Esme got into the industry, I refi'd via a guy named Greg at MetLife. It was a recommendation from an old thread here. He's not local but it didn't matter... we did everything over the phone and via snail mail. It was quite painless and his rates were good.PM me and I can dig up his contact information.
Bek, please do.

Thank you

i will reach out to Esme, I don't think she is a facebook friend, so CLSB will have to do.

Thanks for the suggestion.

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post #7 of 40 (permalink) Old 07-05-2011, 10:36 AM
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PMs have been sent. Thank you Mandy for your support!

Just some quick tid bits of info:

If someone's loan is owned by Fannie Mae, they may qualify for a DU Refi Plus which allows for "upside down" equity. If the loan is owned by Freddie Mac, they may qualify for an Open Access Refi, with similar parameters. Every situation is different, so for specifics, just PM me.

An FHA Streamline can be done with an appraisal or without one. The balance of the Upfront Mortgage Insurance Premium that was paid when the loan was first taken out will be prorated and applied towards the new UFMIP. It is important to remember that a 5% drop in payment (Principal, Interest, and monthly Mortgage Insurance) is required in order to meet FHA guidelines, but should not be a problem with the right scenario.

If anyone has more questions, please PM me or pos them here and I will try to answer them as quickly as possible.

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post #8 of 40 (permalink) Old 07-05-2011, 01:07 PM
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Talked to Esme she helped my with my loan on my home purchase a week or so ago.
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post #9 of 40 (permalink) Old 07-05-2011, 01:15 PM
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Quote:
Originally Posted by clearwaterms View Post
I was working with a company on getting my mortgage refi'd and the guy isn't very helpful and non responsive. I am ready to make a move.

I currently have a fannie may product, have excellent credit, never been late on a payment. I am also upside down on my house (I think) and am currently paying PMI. If somebody can help me for a reasonable cost, please shoot me a PM with your contact information.

I am ready to move now unless somebody says otherwise, I have an ARM that adjusts for the first time in approx. 18-20 months. I am simply looking to get into a 30 year fixed product at a payment that is as close to (or less if possible) than my current amount. I am currently at 5.5%.
How old is your ARM and what would the rate change to if it was adjusted today? I only ask because my ARM ran out several years ago but because of the very low rates that are set right now it's actually been lower than anything else that is available so we've stayed with it. Maybe give your current lender a call and ask?

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post #10 of 40 (permalink) Old 07-05-2011, 01:21 PM
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Quote:
Originally Posted by Esme View Post
PMs have been sent. Thank you Mandy for your support!

Just some quick tid bits of info:

If someone's loan is owned by Fannie Mae, they may qualify for a DU Refi Plus which allows for "upside down" equity. If the loan is owned by Freddie Mac, they may qualify for an Open Access Refi, with similar parameters. Every situation is different, so for specifics, just PM me.

An FHA Streamline can be done with an appraisal or without one. The balance of the Upfront Mortgage Insurance Premium that was paid when the loan was first taken out will be prorated and applied towards the new UFMIP. It is important to remember that a 5% drop in payment (Principal, Interest, and monthly Mortgage Insurance) is required in order to meet FHA guidelines, but should not be a problem with the right scenario.

If anyone has more questions, please PM me or pos them here and I will try to answer them as quickly as possible.

Those Open Access and DU Refi's do not make sense to me. How are they refi'ing on an upside down house?

example.

$300K balance
$200K current value

Is is a 125% LTV? Even still, what amount are they actually refi'ing?
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post #11 of 40 (permalink) Old 07-05-2011, 01:31 PM
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Quote:
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How old is your ARM and what would the rate change to if it was adjusted today? I only ask because my ARM ran out several years ago but because of the very low rates that are set right now it's actually been lower than anything else that is available so we've stayed with it. Maybe give your current lender a call and ask?
Some lenders will do a low to no cost refi, so calling them is def a good first option. If they tell you its a reg refi then you're better off shopping and seeing whats out there.
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Those Open Access and DU Refi's do not make sense to me. How are they refi'ing on an upside down house?

example.

$300K balance
$200K current value

Is is a 125% LTV? Even still, what amount are they actually refi'ing?
Yes its 125%. Its whatever amount you need to as long as its within that 125% range. Cash out is obviously NOT an option with those loans.

They do it on those homes because those few lenders have the idea that "Why should a person who pays their bills on time not be able to take advantage of the rates"...Its not your fault your neighbor foreclosed and your value tanked. Its a great program but I doubt itll be around much longer.

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post #12 of 40 (permalink) Old 07-05-2011, 01:36 PM
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Quote:
Originally Posted by Esme View Post
PMs have been sent. Thank you Mandy for your support!

Just some quick tid bits of info:

If someone's loan is owned by Fannie Mae, they may qualify for a DU Refi Plus which allows for "upside down" equity. If the loan is owned by Freddie Mac, they may qualify for an Open Access Refi, with similar parameters. Every situation is different, so for specifics, just PM me.

An FHA Streamline can be done with an appraisal or without one. The balance of the Upfront Mortgage Insurance Premium that was paid when the loan was first taken out will be prorated and applied towards the new UFMIP. It is important to remember that a 5% drop in payment (Principal, Interest, and monthly Mortgage Insurance) is required in order to meet FHA guidelines, but should not be a problem with the right scenario.

If anyone has more questions, please PM me or pos them here and I will try to answer them as quickly as possible.
Quote:
Originally Posted by SilentAlero View Post
Some lenders will do a low to no cost refi, so calling them is def a good first option. If they tell you its a reg refi then you're better off shopping and seeing whats out there.


Yes its 125%. Its whatever amount you need to as long as its within that 125% range. Cash out is obviously NOT an option with those loans.
Hmm either way my house has plummeted and probably not even 125% will help :P If those numbers are right I would be closer to 150%, but that would be unknown without an appraisal.

But if that program did work you are saying I could refi my house at the current value with no penalty??
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post #13 of 40 (permalink) Old 07-05-2011, 01:41 PM
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Hmm either way my house has plummeted and probably not even 125% will help :P If those numbers are right I would be closer to 150%, but that would be unknown without an appraisal.

But if that program did work you are saying I could refi my house at the current value with no penalty??
Actually, you'd be surprised.

First thing is to comp out the house and see what its worth.

Yes you could refi with current rates.

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coming to CLSB for relationship advice is like asking fat people in mcdonalds about nutrition.
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post #14 of 40 (permalink) Old 07-05-2011, 01:56 PM
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Originally Posted by SilentAlero View Post
Actually, you'd be surprised.

First thing is to comp out the house and see what its worth.

Yes you could refi with current rates.
Still sounds nuts that I (in theory) could refi for only the current value of my house.
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post #15 of 40 (permalink) Old 07-05-2011, 02:39 PM
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Quote:
Originally Posted by SilentAlero View Post
Some lenders will do a low to no cost refi, so calling them is def a good first option. If they tell you its a reg refi then you're better off shopping and seeing whats out there.
I guess if they are willing to do a no cost refi then that could be an option too but I really would be curious to see what the next rate would be if they stayed in the ARM. It may be lower.

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post #16 of 40 (permalink) Old 07-05-2011, 02:40 PM
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What are reasonable closing costs (appraisal, title, etc) for a refinance with the same lender under one of these special programs?
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post #17 of 40 (permalink) Old 07-05-2011, 03:29 PM
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What are reasonable closing costs (appraisal, title, etc) for a refinance with the same lender under one of these special programs?
Years ago I did a refi years ago under the HARP program... $0 closing costs.
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post #18 of 40 (permalink) Old 07-05-2011, 03:33 PM
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Still sounds nuts that I (in theory) could refi for only the current value of my house.
Did I read this right??

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post #19 of 40 (permalink) Old 07-05-2011, 03:36 PM
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I guess if they are willing to do a no cost refi then that could be an option too but I really would be curious to see what the next rate would be if they stayed in the ARM. It may be lower.
See thats hard to answer because every lender has a different internal program. See what they say though, it never hurts to ask.

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Watching the Cubs lose is the opposite of appreciating a fine wine ó itís like watching a car accident in progress. Itís horrifying, yet gruesomely riveting, and you canít help but watch and sympathize with the poor souls inside.
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coming to CLSB for relationship advice is like asking fat people in mcdonalds about nutrition.
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post #20 of 40 (permalink) Old 07-05-2011, 03:47 PM
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Any current experiences? Citi wants ~$415 for the appraisal out of pocket but they rattled off a couple thousand in other fees that I assume will be tacked on to my balance? Waiting for my GFE to see exactly what they were?

5.125% sound good for 30yr fixed?
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post #21 of 40 (permalink) Old 07-05-2011, 03:53 PM

 
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post #22 of 40 (permalink) Old 07-05-2011, 03:55 PM

 
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post #23 of 40 (permalink) Old 07-05-2011, 03:56 PM
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Quote:
Originally Posted by Kruz View Post
Any current experiences? Citi wants ~$415 for the appraisal out of pocket but they rattled off a couple thousand in other fees that I assume will be tacked on to my balance? Waiting for my GFE to see exactly what they were?

5.125% sound good for 30yr fixed?
conforming or FHA?

and NO do NOT do the appraisal out of pocket. I've seen countless people get burned just for them to come back and say your place is worthless. They waste $415 and you get nothing in return but empty promises.

And yes, if they are saying thousands then they are tacking that on and basically doing a reg ref.

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Watching the Cubs lose is the opposite of appreciating a fine wine ó itís like watching a car accident in progress. Itís horrifying, yet gruesomely riveting, and you canít help but watch and sympathize with the poor souls inside.
Quote:
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coming to CLSB for relationship advice is like asking fat people in mcdonalds about nutrition.
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post #24 of 40 (permalink) Old 07-05-2011, 03:58 PM
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Troy is your guy.....just saying
troy still does it? interesting

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Watching the Cubs lose is the opposite of appreciating a fine wine ó itís like watching a car accident in progress. Itís horrifying, yet gruesomely riveting, and you canít help but watch and sympathize with the poor souls inside.
Quote:
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coming to CLSB for relationship advice is like asking fat people in mcdonalds about nutrition.
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post #25 of 40 (permalink) Old 07-05-2011, 04:12 PM

 
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I thought so?????

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post #26 of 40 (permalink) Old 07-05-2011, 04:15 PM
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A few years ago, before Esme got into the industry, I refi'd via a guy named Greg at MetLife. It was a recommendation from an old thread here. He's not local but it didn't matter... we did everything over the phone and via snail mail. It was quite painless and his rates were good.PM me and I can dig up his contact information.
Screw that recommendation & the guy from MetLife. Go with Esme & support a CLSB member. Besides, she's way hotter.
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post #27 of 40 (permalink) Old 07-05-2011, 05:19 PM
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Quote:
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Any current experiences? Citi wants ~$415 for the appraisal out of pocket but they rattled off a couple thousand in other fees that I assume will be tacked on to my balance? Waiting for my GFE to see exactly what they were?

5.125% sound good for 30yr fixed?
It depends on the loan program, type, credit score (tier based pricing), and other factors, but if you'd like, I can ask my appraisal manager to run an AVM to establish a good estimate of value and then we can discuss programs and costs. In all reality, you should not be looking at thousands in closing costs and an appraisal on a single family home (typically) should only cost you about $300, so even that is being priced too highly by Citi. IMHO....

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post #28 of 40 (permalink) Old 07-05-2011, 06:39 PM
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Not anymore. Was doing wholesale residential for many years, but got out of it when the market went south.
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post #29 of 40 (permalink) Old 07-05-2011, 07:57 PM
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post #30 of 40 (permalink) Old 07-05-2011, 08:09 PM
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Not anymore. Was doing wholesale residential for many years, but got out of it when the market went south.
Ugh, i wish you still were, AE's suck now a days

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Watching the Cubs lose is the opposite of appreciating a fine wine ó itís like watching a car accident in progress. Itís horrifying, yet gruesomely riveting, and you canít help but watch and sympathize with the poor souls inside.
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Originally Posted by burntash View Post
coming to CLSB for relationship advice is like asking fat people in mcdonalds about nutrition.
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