Mortgage Rates

[bob2007]

This has been a very interesting thread for me. Although I have always done no cost loans, and it has always been a good thing based on my own buy/sell history, I can see the validity of the arguments here.

I am looking for a new loan broker. Has anyone here used HLS and can share the experience? Any other references?

HLS, thanks for the information. If you don’t mind some some potential customer feedback, your web site raised some caution flags. As a web site developer myself, my feelings on your landing page are that it feels like the late 90’s style of linkbacks to try and raise search engine rankings. I don’t really care about getting good phone rates or disney discounts from my mortgage broker. I would rather he/she focus just on the loan.

You provide some good input here, and my intent is to provide constructive feedback – I’m not bashing in any way. From your comments it seems like you certainly know the industry.

Thanks,

Bob

[HLS]

Hi Bob…

I appreciate your comments.

I am not a web designer. I don’t know anything about “raising search engine rankings” and don’t expect anyone to find my site by accident.

The links are there to be helpful, and when it comes to loans, I DO focus on them.

I have done loans for a few from this site. I’ll let them come forward if they are following the thread.

I say what I do, and do what I say. I’m not aware of any complaints about my service, ever.

I’m not out to fool anyone. People do a fine job of fooling themselves.

I have rates & strategies available that most others either don’t have, don’t know or are too lazy to deal with. I also have access to credit score help that few have.

The DISNEY link on my site has been popular. For those that don’t know, Disneyland is offering FREE admission on your birthday in 2009. No strings attached, you just need to register.

Yes, the link is on my website.
No, I don’t make a penny from it.

Bob, If I benefit from that link, I don’t know/why that is…

If you want help with a loan, feel free to check with me. I can’t do them for free, but I watch rates like a hawk.

I know the games and gimmicks that others play, and I will tell you.
For those that want help or want to truly understand what they are doing for the largest financial transaction of their lives, you get what you pay for.

I’m just trying to be helpful, with more than just loans. HLS

[HLS]

Hi Bob…

I appreciate your comments.

I am not a web designer. I don’t know anything about “raising search engine rankings” and don’t expect anyone to find my site by accident.

The links are there to be helpful, and when it comes to loans, I DO focus on them.

I have done loans for a few from this site. I’ll let them come forward if they are following the thread.

I say what I do, and do what I say. I’m not aware of any complaints about my service, ever.

I’m not out to fool anyone. People do a fine job of fooling themselves.

I have rates & strategies available that most others either don’t have, don’t know or are too lazy to deal with. I also have access to credit score help that few have.

The DISNEY link on my site has been popular. For those that don’t know, Disneyland is offering FREE admission on your birthday in 2009. No strings attached, you just need to register.

Yes, the link is on my website.
No, I don’t make a penny from it.

Bob, If I benefit from that link, I don’t know/why that is…

If you want help with a loan, feel free to check with me. I can’t do them for free, but I watch rates like a hawk.

I know the games and gimmicks that others play, and I will tell you.
For those that want help or want to truly understand what they are doing for the largest financial transaction of their lives, you get what you pay for.

I’m just trying to be helpful, with more than just loans. HLS

[HLS]

Hi Bob…

I appreciate your comments.

I am not a web designer. I don’t know anything about “raising search engine rankings” and don’t expect anyone to find my site by accident.

The links are there to be helpful, and when it comes to loans, I DO focus on them.

I have done loans for a few from this site. I’ll let them come forward if they are following the thread.

I say what I do, and do what I say. I’m not aware of any complaints about my service, ever.

I’m not out to fool anyone. People do a fine job of fooling themselves.

I have rates & strategies available that most others either don’t have, don’t know or are too lazy to deal with. I also have access to credit score help that few have.

The DISNEY link on my site has been popular. For those that don’t know, Disneyland is offering FREE admission on your birthday in 2009. No strings attached, you just need to register.

Yes, the link is on my website.
No, I don’t make a penny from it.

Bob, If I benefit from that link, I don’t know/why that is…

If you want help with a loan, feel free to check with me. I can’t do them for free, but I watch rates like a hawk.

I know the games and gimmicks that others play, and I will tell you.
For those that want help or want to truly understand what they are doing for the largest financial transaction of their lives, you get what you pay for.

I’m just trying to be helpful, with more than just loans. HLS

[HLS]

Hi Bob…

I appreciate your comments.

I am not a web designer. I don’t know anything about “raising search engine rankings” and don’t expect anyone to find my site by accident.

The links are there to be helpful, and when it comes to loans, I DO focus on them.

I have done loans for a few from this site. I’ll let them come forward if they are following the thread.

I say what I do, and do what I say. I’m not aware of any complaints about my service, ever.

I’m not out to fool anyone. People do a fine job of fooling themselves.

I have rates & strategies available that most others either don’t have, don’t know or are too lazy to deal with. I also have access to credit score help that few have.

The DISNEY link on my site has been popular. For those that don’t know, Disneyland is offering FREE admission on your birthday in 2009. No strings attached, you just need to register.

Yes, the link is on my website.
No, I don’t make a penny from it.

Bob, If I benefit from that link, I don’t know/why that is…

If you want help with a loan, feel free to check with me. I can’t do them for free, but I watch rates like a hawk.

I know the games and gimmicks that others play, and I will tell you.
For those that want help or want to truly understand what they are doing for the largest financial transaction of their lives, you get what you pay for.

I’m just trying to be helpful, with more than just loans. HLS

[HLS]

Hi Bob…

I appreciate your comments.

I am not a web designer. I don’t know anything about “raising search engine rankings” and don’t expect anyone to find my site by accident.

The links are there to be helpful, and when it comes to loans, I DO focus on them.

I have done loans for a few from this site. I’ll let them come forward if they are following the thread.

I say what I do, and do what I say. I’m not aware of any complaints about my service, ever.

I’m not out to fool anyone. People do a fine job of fooling themselves.

I have rates & strategies available that most others either don’t have, don’t know or are too lazy to deal with. I also have access to credit score help that few have.

The DISNEY link on my site has been popular. For those that don’t know, Disneyland is offering FREE admission on your birthday in 2009. No strings attached, you just need to register.

Yes, the link is on my website.
No, I don’t make a penny from it.

Bob, If I benefit from that link, I don’t know/why that is…

If you want help with a loan, feel free to check with me. I can’t do them for free, but I watch rates like a hawk.

I know the games and gimmicks that others play, and I will tell you.
For those that want help or want to truly understand what they are doing for the largest financial transaction of their lives, you get what you pay for.

I’m just trying to be helpful, with more than just loans. HLS

[an]

Bob, I’m currently working with HLS right now. He got me the best rate that I can find anywhere by far. I shopped around a lot with many different lenders, from traditional banks, to aimloan.com, to lending tree, etc. After that, I talked to HLS and he’s really honest as to what he can get me. He also kept me up to date on everything, which is a very good thing in my book.

[an]

Bob, I’m currently working with HLS right now. He got me the best rate that I can find anywhere by far. I shopped around a lot with many different lenders, from traditional banks, to aimloan.com, to lending tree, etc. After that, I talked to HLS and he’s really honest as to what he can get me. He also kept me up to date on everything, which is a very good thing in my book.

[an]

Bob, I’m currently working with HLS right now. He got me the best rate that I can find anywhere by far. I shopped around a lot with many different lenders, from traditional banks, to aimloan.com, to lending tree, etc. After that, I talked to HLS and he’s really honest as to what he can get me. He also kept me up to date on everything, which is a very good thing in my book.

[an]

Bob, I’m currently working with HLS right now. He got me the best rate that I can find anywhere by far. I shopped around a lot with many different lenders, from traditional banks, to aimloan.com, to lending tree, etc. After that, I talked to HLS and he’s really honest as to what he can get me. He also kept me up to date on everything, which is a very good thing in my book.

[an]

Bob, I’m currently working with HLS right now. He got me the best rate that I can find anywhere by far. I shopped around a lot with many different lenders, from traditional banks, to aimloan.com, to lending tree, etc. After that, I talked to HLS and he’s really honest as to what he can get me. He also kept me up to date on everything, which is a very good thing in my book.

[eagleeye]

Hi HLS,

I haven’t posted in a while but I’ve been following this site for a few years now. We bought a teardown this summer and we’re currently building a house. We’ve got a 6% construction loan (prime + 1% with a 6% floor). The house won’t be ready until next summer so it’s killing me to watch the rates that are currently available. We’ll need a loan of about $1.45M on a bank appraised completed project price of $2.15M. The three most recent sales for near identical homes have been $2.175M, $2.165M and $2.18M. I’ve been following NFCU’s rates closely. Currently their 30-fixed with 0 pts for a jumbo loan over $730K is 5.5%. Of course, who knows where rates will be in 6 months. Do you have any advise for me? Thanks.

[eagleeye]

Hi HLS,

I haven’t posted in a while but I’ve been following this site for a few years now. We bought a teardown this summer and we’re currently building a house. We’ve got a 6% construction loan (prime + 1% with a 6% floor). The house won’t be ready until next summer so it’s killing me to watch the rates that are currently available. We’ll need a loan of about $1.45M on a bank appraised completed project price of $2.15M. The three most recent sales for near identical homes have been $2.175M, $2.165M and $2.18M. I’ve been following NFCU’s rates closely. Currently their 30-fixed with 0 pts for a jumbo loan over $730K is 5.5%. Of course, who knows where rates will be in 6 months. Do you have any advise for me? Thanks.

[eagleeye]

Hi HLS,

I haven’t posted in a while but I’ve been following this site for a few years now. We bought a teardown this summer and we’re currently building a house. We’ve got a 6% construction loan (prime + 1% with a 6% floor). The house won’t be ready until next summer so it’s killing me to watch the rates that are currently available. We’ll need a loan of about $1.45M on a bank appraised completed project price of $2.15M. The three most recent sales for near identical homes have been $2.175M, $2.165M and $2.18M. I’ve been following NFCU’s rates closely. Currently their 30-fixed with 0 pts for a jumbo loan over $730K is 5.5%. Of course, who knows where rates will be in 6 months. Do you have any advise for me? Thanks.

[eagleeye]

Hi HLS,

I haven’t posted in a while but I’ve been following this site for a few years now. We bought a teardown this summer and we’re currently building a house. We’ve got a 6% construction loan (prime + 1% with a 6% floor). The house won’t be ready until next summer so it’s killing me to watch the rates that are currently available. We’ll need a loan of about $1.45M on a bank appraised completed project price of $2.15M. The three most recent sales for near identical homes have been $2.175M, $2.165M and $2.18M. I’ve been following NFCU’s rates closely. Currently their 30-fixed with 0 pts for a jumbo loan over $730K is 5.5%. Of course, who knows where rates will be in 6 months. Do you have any advise for me? Thanks.

[Author]

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