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  • February 6, 2013 at 2:26 PM #20508
    RoxyG
    Participant

    I am looking to refinance at a 15 yr fixed rate with no points, any suggestions on using credit unions vs. banks vs. brokers? I checked bankrate but those companies with low rates seem questionable and have bad reviews online. Let me know who you recommend. Thanks!

    February 6, 2013 at 2:43 PM #758886
    Coronita
    Participant

    Sent you a private message.

    I just closed on 2.5% no cost/points on a 15 yr with a local broker. The caveat is that it requires impound for the first 3 months (that can be canceled after 3 months)..

    I had good experience with the broker, and he was recommended to me by AN. He does loans with different lenders I believe,. My lender happened to be Provident. Some people here had issues with Provident… I personally didn’t, beyond after the loan discovering some annoyances about their way of servicing the loan that others don’t have…

    See here…

    http://piggington.com/provident_funding_sucks

    Provider for example charges small fees ($7.50) if you want to pay “on demand” online, versus automatic debit or snail mail.

    The broker is a good guy and gets good rates and I think he works with more than one lender… For my other loan I’m doing, it’s not going through Provident…,

    FWIW: I never met the guy in person. Did everything over the phone, over email, and over instant messenger, but that was my choice…

    February 6, 2013 at 3:26 PM #758887
    sdduuuude
    Participant

    I would second finding a Provident broker.

    I had a friend go direct through the provident web site.

    February 6, 2013 at 7:09 PM #758888
    JC
    Participant

    Charles D. MasonFirst California Funding4550 Kearny Villa Rd. Suite 215San Diego, CA. 92123 Telephone – 858 654 4066Facsimile – 858 654 4062 Ca. Dept of Real Estate Lic # 01275449NMLS # 330764

    February 7, 2013 at 5:40 PM #758913
    paramount
    Participant

    I have been going through Wells Fargo. They seem to have bad reviews.

    They want to charge $440 for an appraisal, seems high to me.

    February 9, 2013 at 10:10 AM #759058
    evolusd
    Participant

    My friends from college started a mortgage company back in 2006 (I thought they were crazy) and I used them for my recent refinance. Local company, great experience, solid group of people.

    http://www.integritydirectmortgage.com/

    If you want a direct contact with the guy I worked with, PM me.

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