Who should I refinance with? Any recommendations?

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Submitted by RoxyG on February 6, 2013 - 3:26pm

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!

Submitted by flu on February 6, 2013 - 3:43pm.

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...


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...

Submitted by sdduuuude on February 6, 2013 - 4:26pm.

I would second finding a Provident broker.

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

Submitted by JC on February 6, 2013 - 8:09pm.

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

Submitted by paramount on February 7, 2013 - 6:40pm.

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.

Submitted by evolusd on February 9, 2013 - 11:10am.

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.


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

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