Recommendations for a good mortgage broker – Page 7

This topic has 150 replies, 14 voices, and was last updated 17 years, 5 months ago by urbanrealtor.

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December 11, 2007 at 4:37 PM #114633

Raybyrnes
Participant

Amy,

I am not a mortgage broker or affiliated with the industry but I would also look and see wheat the requeirement are for the first time homeownrs program. Your income might be too high but if you fit the box it is an excellent program.

http://www.calhfa.ca.gov.

This programis comparable to many of the VA and Cal Vet program.

Best of luck. Coniue to gatehr your informaiton. I ahve a3 ring binder at this point that I ahve compiled over teh last year or so. I yuse it as a refernce guide.

December 11, 2007 at 5:45 PM #114520

amy
Participant

Hi Ray, Thanks for the suggestion. Unfortunately, we don’t qualify as we’ve owned several homes (and currently own one in Austin, TX that we are renting out) and our income is too high. But it sure is a different story buying a home here in San Diego County than what we’ve paid before! I think all our houses combined won’t be as much as we’ll spend on one here. Depressing…

December 11, 2007 at 5:45 PM #114640

amy
Participant

Hi Ray, Thanks for the suggestion. Unfortunately, we don’t qualify as we’ve owned several homes (and currently own one in Austin, TX that we are renting out) and our income is too high. But it sure is a different story buying a home here in San Diego County than what we’ve paid before! I think all our houses combined won’t be as much as we’ll spend on one here. Depressing…

December 11, 2007 at 5:45 PM #114679

amy
Participant

Hi Ray, Thanks for the suggestion. Unfortunately, we don’t qualify as we’ve owned several homes (and currently own one in Austin, TX that we are renting out) and our income is too high. But it sure is a different story buying a home here in San Diego County than what we’ve paid before! I think all our houses combined won’t be as much as we’ll spend on one here. Depressing…

December 11, 2007 at 5:45 PM #114683

amy
Participant

Hi Ray, Thanks for the suggestion. Unfortunately, we don’t qualify as we’ve owned several homes (and currently own one in Austin, TX that we are renting out) and our income is too high. But it sure is a different story buying a home here in San Diego County than what we’ve paid before! I think all our houses combined won’t be as much as we’ll spend on one here. Depressing…

December 11, 2007 at 5:45 PM #114719

amy
Participant

Hi Ray, Thanks for the suggestion. Unfortunately, we don’t qualify as we’ve owned several homes (and currently own one in Austin, TX that we are renting out) and our income is too high. But it sure is a different story buying a home here in San Diego County than what we’ve paid before! I think all our houses combined won’t be as much as we’ll spend on one here. Depressing…

December 12, 2007 at 9:32 PM #115684

Raybyrnes
Participant

One otehr option that is rarely discussed is looking at soem of the differnet brokerages. Many of them enterend the mortgage business. Charles Schwab offers a guaranty to match or beat any rate (problem is limited product selection) Merrill Lynch allows you to avoid the down payment if you have assets in a brokerage account there Offer wide range of products.

One final suggestion is to also consider looking at Costco which parners with lending tree and offers a rebate program.

I like doing some preliminary research on bankrate.com

Best of Luck

December 12, 2007 at 9:32 PM #115815

Raybyrnes
Participant

One otehr option that is rarely discussed is looking at soem of the differnet brokerages. Many of them enterend the mortgage business. Charles Schwab offers a guaranty to match or beat any rate (problem is limited product selection) Merrill Lynch allows you to avoid the down payment if you have assets in a brokerage account there Offer wide range of products.

One final suggestion is to also consider looking at Costco which parners with lending tree and offers a rebate program.

I like doing some preliminary research on bankrate.com

Best of Luck

December 12, 2007 at 9:32 PM #115846

Raybyrnes
Participant

One otehr option that is rarely discussed is looking at soem of the differnet brokerages. Many of them enterend the mortgage business. Charles Schwab offers a guaranty to match or beat any rate (problem is limited product selection) Merrill Lynch allows you to avoid the down payment if you have assets in a brokerage account there Offer wide range of products.

One final suggestion is to also consider looking at Costco which parners with lending tree and offers a rebate program.

I like doing some preliminary research on bankrate.com

Best of Luck

December 12, 2007 at 9:32 PM #115852

Raybyrnes
Participant

One otehr option that is rarely discussed is looking at soem of the differnet brokerages. Many of them enterend the mortgage business. Charles Schwab offers a guaranty to match or beat any rate (problem is limited product selection) Merrill Lynch allows you to avoid the down payment if you have assets in a brokerage account there Offer wide range of products.

One final suggestion is to also consider looking at Costco which parners with lending tree and offers a rebate program.

I like doing some preliminary research on bankrate.com

Best of Luck

December 12, 2007 at 9:32 PM #115888

Raybyrnes
Participant

One otehr option that is rarely discussed is looking at soem of the differnet brokerages. Many of them enterend the mortgage business. Charles Schwab offers a guaranty to match or beat any rate (problem is limited product selection) Merrill Lynch allows you to avoid the down payment if you have assets in a brokerage account there Offer wide range of products.

One final suggestion is to also consider looking at Costco which parners with lending tree and offers a rebate program.

I like doing some preliminary research on bankrate.com

Best of Luck

December 12, 2007 at 9:50 PM #115707

HLS
Participant

Regardless of what method you use, very few borrowers actually get the best possible rate that they could have on the day that they lock.

Shopping for a rate is exactly what gets you into this mess.

Until you know what you actually qualify for, you will be fooled by the best liar.

On any given day, 10 different lenders will have 10 different “best rates”

Henry Ford guaranteed to sell you a car in any color, as long as it was black.

December 12, 2007 at 9:50 PM #115840

HLS
Participant

Regardless of what method you use, very few borrowers actually get the best possible rate that they could have on the day that they lock.

Shopping for a rate is exactly what gets you into this mess.

Until you know what you actually qualify for, you will be fooled by the best liar.

On any given day, 10 different lenders will have 10 different “best rates”

Henry Ford guaranteed to sell you a car in any color, as long as it was black.

December 12, 2007 at 9:50 PM #115870

HLS
Participant

Regardless of what method you use, very few borrowers actually get the best possible rate that they could have on the day that they lock.

Shopping for a rate is exactly what gets you into this mess.

Until you know what you actually qualify for, you will be fooled by the best liar.

On any given day, 10 different lenders will have 10 different “best rates”

Henry Ford guaranteed to sell you a car in any color, as long as it was black.

December 12, 2007 at 9:50 PM #115877

HLS
Participant

Regardless of what method you use, very few borrowers actually get the best possible rate that they could have on the day that they lock.

Shopping for a rate is exactly what gets you into this mess.

Until you know what you actually qualify for, you will be fooled by the best liar.

On any given day, 10 different lenders will have 10 different “best rates”

Henry Ford guaranteed to sell you a car in any color, as long as it was black.
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