CountryGirl asked:


Our current rate is 7.75% on a $168,000 loan and with the drop in interest rates, we’d like to explore re-financing. Are there any companies that will do all the legwork for us? (i.e. find us the best possible re-financing deal.) If not, where do I start? I don’t want to fill out a ton of credit applications before I know all the terms of the loan. Thanks!

Valerie

STARYDYNAMO asked:


Sorry to ask the shocking stupid question! I am coming to the end of my mortgage term ( end of September) and am wandering if the mortgage rates will go down (currently for at 6.99%). Do you think it will go down by this time? I am in the UK.

Andreas

GI beaner asked:


whould the mortgage rate go up or down.

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derobie asked:


I have a mortgage at 9.75, house value is 244,000. loan amount is 183,000. i need to refinance but my credit score is 454. i can not find a lender to take me. do u know any lender who can help.

Kraig

Adam C asked:


Following recent news, I discovered that the Bank of England lends money only as the “lender of last resort”. If the BOE does not reguarly lend money to banks (i.e. my mortgage is not underwritten by BOE loans) why does BOE base rate have a direct effect on my mortgage?

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eternal_enthusiast asked:


Hi,
I am buying a new home and am shopping for mortgages.
I recently locked in an mortgage rate with a broker and have been contacted by a few other brokers offering me much better rates ever since.
When I locked in the rate with my first mortgage broker, he didn’t charge me any fee. Can I now pick a new mortgage broker without incurring any problem? Am I obligated to anything? My broker didn’t charge me any anything, didn’t mention any fee and I haven’t signed anything.

Thanks for your help.

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lizabet17110 asked:


My credit score is between 660 and 687. I need to refinace my current rate 7.35 adjustable mortgage. What kind of rate will I get.
Countrywide my current lender says I only qualify for a 8.75 rate because I had a bankraupcy in 1997 and I had two collections in 2003 due to my husbands illness and inability to work. He has since started to get Social Security and Retirement benefits.
I pay all my bills on time and pay more then the minimum on all of them including on my mortgage.
I can’t see why items from 3 yrs ago should still affect my credit since I have been making sure I pay everything beforeit is due and do not use more them 1/3 of my credit available.

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Ashley Z asked:


How do they determine your mortgage rate if you are getting a house with a friend not a husband? Do they average both of your credit scores?

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vphone asked:


What is the best available mortgage rate available to canadians right now. I am looking to get preapproved for a 5 year term with a fixed interest rate. Thanks

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