[quote=CAwireman]Re-Fi closes, 3.5% Fixed for 30[/quote]
That’s a great rate! Unbelievable. To think that only 10 years ago, a 6% rate was considered a “steal”… Is your loan conforming, jumbo, etc.? What is your LTV? My loan is currently $566K and LTV is a little under 80%; I wonder whether I’d qualify for 3.5% rate. (Is your APR also 3.5%?)

[quote]- We found a lien placed against the property and cleared it. Anyone know of a service that monitor’s lien status for you property for a monthly fee? Might be worth it…[/quote]The county recorder should have this… and you don’t need to check every month. Was that a mechanic’s lien that you had?

[quote]- Double check everything! There are so many forms to sign that errors are nearly gauranteed.[/quote]
I don’t know, when the notary came to our house the last time we refinanced, just signing everything took forever. Had I read the stuff, it would have taken me hours… I did check the numbers quickly, and asked some questions.

[quote]- If you call your bank to inquire about a Refi, you get a very different answer than your mortgage broker gets (…) Spoke to Wells, BofA, Suntrust, and one other can’t recall. The best they could do for no points? 4.1 – 4.2%. And they swore that was competitive. Had to go with a small broker to get a competitive interest rate.[/quote]My experience with WF and Citi was disappointing. They offered me a good rate, but after days or weeks of waiting and sending my supporting documentation, they asked me to reduce the LTV, or changed something else… very frustrating. We switched to OnQ Financial, a smallish direct lender, and we’ve had no problems with them.

[quote]- So far, I don’t trust online brokers. I may need to get over this to get the best possible rate for our “next refi”. Went with a local broker I had worked with in the past.[/quote]+1