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HLS
ParticipantFLU..
Throw me a bone! depends on credit score & equity..
Assuming best case scenario (drumroll…)
15 YR rates appear to be HIGHER than 30 YR rates at PAR, but the buy down options are better on the 15 YR.Around 4.50 with 2pts 4.75% with 1pt, 4.875% with .5 pt
contact me directly for an update…rates are still moving around fast…
Subject to change at any time!ParticipantRay,
Standard guidelines that FNMA uses..
Middle score of the 3 bureaus.The highest and lowest scores do not matter.
These are MORTGAGE score pulls, not what a consumer score pulls by paying for their score on the internet, falling for more misleading propaganda that was probably printed in the WSJ.
I have access to 3 different scores from one of the credit bureaus, as well as scores from the other 2 bureaus. I can assure you that most others dont have this access.
It can make a difference of tens of thousands of dollars over the life of a loan.
From the bureau that allows me 3 different scores, I have seen spreads of 50 points. I can choose the highest of the 3 for that bureau, allowing me to get someone the best rate possible forn their situation.
These are FNMA actual guidelines, not average guidelines. ,HLS
ParticipantRay,
Standard guidelines that FNMA uses..
Middle score of the 3 bureaus.The highest and lowest scores do not matter.
These are MORTGAGE score pulls, not what a consumer score pulls by paying for their score on the internet, falling for more misleading propaganda that was probably printed in the WSJ.
I have access to 3 different scores from one of the credit bureaus, as well as scores from the other 2 bureaus. I can assure you that most others dont have this access.
It can make a difference of tens of thousands of dollars over the life of a loan.
From the bureau that allows me 3 different scores, I have seen spreads of 50 points. I can choose the highest of the 3 for that bureau, allowing me to get someone the best rate possible forn their situation.
These are FNMA actual guidelines, not average guidelines. ,HLS
ParticipantRay,
Standard guidelines that FNMA uses..
Middle score of the 3 bureaus.The highest and lowest scores do not matter.
These are MORTGAGE score pulls, not what a consumer score pulls by paying for their score on the internet, falling for more misleading propaganda that was probably printed in the WSJ.
I have access to 3 different scores from one of the credit bureaus, as well as scores from the other 2 bureaus. I can assure you that most others dont have this access.
It can make a difference of tens of thousands of dollars over the life of a loan.
From the bureau that allows me 3 different scores, I have seen spreads of 50 points. I can choose the highest of the 3 for that bureau, allowing me to get someone the best rate possible forn their situation.
These are FNMA actual guidelines, not average guidelines. ,HLS
ParticipantRay,
Standard guidelines that FNMA uses..
Middle score of the 3 bureaus.The highest and lowest scores do not matter.
These are MORTGAGE score pulls, not what a consumer score pulls by paying for their score on the internet, falling for more misleading propaganda that was probably printed in the WSJ.
I have access to 3 different scores from one of the credit bureaus, as well as scores from the other 2 bureaus. I can assure you that most others dont have this access.
It can make a difference of tens of thousands of dollars over the life of a loan.
From the bureau that allows me 3 different scores, I have seen spreads of 50 points. I can choose the highest of the 3 for that bureau, allowing me to get someone the best rate possible forn their situation.
These are FNMA actual guidelines, not average guidelines. ,HLS
ParticipantRay,
Standard guidelines that FNMA uses..
Middle score of the 3 bureaus.The highest and lowest scores do not matter.
These are MORTGAGE score pulls, not what a consumer score pulls by paying for their score on the internet, falling for more misleading propaganda that was probably printed in the WSJ.
I have access to 3 different scores from one of the credit bureaus, as well as scores from the other 2 bureaus. I can assure you that most others dont have this access.
It can make a difference of tens of thousands of dollars over the life of a loan.
From the bureau that allows me 3 different scores, I have seen spreads of 50 points. I can choose the highest of the 3 for that bureau, allowing me to get someone the best rate possible forn their situation.
These are FNMA actual guidelines, not average guidelines. ,HLS
ParticipantRAY,,
Any newspaper article that quotes averages or medians is only good for crumbling up to start a fire, even if it’s from the WSJ.
I don’t care what the average price of milk or gas is, I care about what it’s going to cost ME.
Same thing for mortgage rates.Misleading information for the masses. Even you proved that you don’t know that it takes a 740+ score to get the best rate with 20% down. (720 costs more) and you are a savvy guy.
Ask 9 other people what mortgage rates are and they will be further off than you were.
Quoting median/average house prices OR mortgage rates is completly useless information, yet as you have proved, it’s repeated like it actually means something. Even from the WSJ.
I wont insult you wanting to compare my credibility to an article quoting averages. JMTC.
HLS
ParticipantRAY,,
Any newspaper article that quotes averages or medians is only good for crumbling up to start a fire, even if it’s from the WSJ.
I don’t care what the average price of milk or gas is, I care about what it’s going to cost ME.
Same thing for mortgage rates.Misleading information for the masses. Even you proved that you don’t know that it takes a 740+ score to get the best rate with 20% down. (720 costs more) and you are a savvy guy.
Ask 9 other people what mortgage rates are and they will be further off than you were.
Quoting median/average house prices OR mortgage rates is completly useless information, yet as you have proved, it’s repeated like it actually means something. Even from the WSJ.
I wont insult you wanting to compare my credibility to an article quoting averages. JMTC.
HLS
ParticipantRAY,,
Any newspaper article that quotes averages or medians is only good for crumbling up to start a fire, even if it’s from the WSJ.
I don’t care what the average price of milk or gas is, I care about what it’s going to cost ME.
Same thing for mortgage rates.Misleading information for the masses. Even you proved that you don’t know that it takes a 740+ score to get the best rate with 20% down. (720 costs more) and you are a savvy guy.
Ask 9 other people what mortgage rates are and they will be further off than you were.
Quoting median/average house prices OR mortgage rates is completly useless information, yet as you have proved, it’s repeated like it actually means something. Even from the WSJ.
I wont insult you wanting to compare my credibility to an article quoting averages. JMTC.
HLS
ParticipantRAY,,
Any newspaper article that quotes averages or medians is only good for crumbling up to start a fire, even if it’s from the WSJ.
I don’t care what the average price of milk or gas is, I care about what it’s going to cost ME.
Same thing for mortgage rates.Misleading information for the masses. Even you proved that you don’t know that it takes a 740+ score to get the best rate with 20% down. (720 costs more) and you are a savvy guy.
Ask 9 other people what mortgage rates are and they will be further off than you were.
Quoting median/average house prices OR mortgage rates is completly useless information, yet as you have proved, it’s repeated like it actually means something. Even from the WSJ.
I wont insult you wanting to compare my credibility to an article quoting averages. JMTC.
HLS
ParticipantRAY,,
Any newspaper article that quotes averages or medians is only good for crumbling up to start a fire, even if it’s from the WSJ.
I don’t care what the average price of milk or gas is, I care about what it’s going to cost ME.
Same thing for mortgage rates.Misleading information for the masses. Even you proved that you don’t know that it takes a 740+ score to get the best rate with 20% down. (720 costs more) and you are a savvy guy.
Ask 9 other people what mortgage rates are and they will be further off than you were.
Quoting median/average house prices OR mortgage rates is completly useless information, yet as you have proved, it’s repeated like it actually means something. Even from the WSJ.
I wont insult you wanting to compare my credibility to an article quoting averages. JMTC.
HLS
ParticipantIf your number is registered on the federal do not call list, you can go after these people for monetary damages or put them out of business.
I’m sure it is more than one guy.
Modifications are feeding off of desperate people who want to believe that they can be saved.
Perhaps they should try going to church instead ??On the CA attorney general website there used to be a place for DO NOT CALL complaints, and they do follow up.
I constantly get calls with a recorded message that claim they can lower your credit card interest., which I don’t have.
I tried to play their game, but they wouldn’t tell me who they were unless I gave them permission to run my credit report.
No shortage of scams out there… HLS
ParticipantIf your number is registered on the federal do not call list, you can go after these people for monetary damages or put them out of business.
I’m sure it is more than one guy.
Modifications are feeding off of desperate people who want to believe that they can be saved.
Perhaps they should try going to church instead ??On the CA attorney general website there used to be a place for DO NOT CALL complaints, and they do follow up.
I constantly get calls with a recorded message that claim they can lower your credit card interest., which I don’t have.
I tried to play their game, but they wouldn’t tell me who they were unless I gave them permission to run my credit report.
No shortage of scams out there… HLS
ParticipantIf your number is registered on the federal do not call list, you can go after these people for monetary damages or put them out of business.
I’m sure it is more than one guy.
Modifications are feeding off of desperate people who want to believe that they can be saved.
Perhaps they should try going to church instead ??On the CA attorney general website there used to be a place for DO NOT CALL complaints, and they do follow up.
I constantly get calls with a recorded message that claim they can lower your credit card interest., which I don’t have.
I tried to play their game, but they wouldn’t tell me who they were unless I gave them permission to run my credit report.
No shortage of scams out there… HLS
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