What home loan lender do you have, what is the interest rate, and how many years is it for?
132913
I'm at Countrywide on a 5/1 arm at 5.125, but your loan is only as good as your loan officer.  Gotta listen to what your needs are and then everyone offers similar stuff - then it's how you qualify! good stuff!  I've been doing this for years.
119008
Since your from Canada maybe it's different here in US. But I can tell you here in the US, applying for a lender that offers refinancing and at the same time offers interest only payments are getting more and more popular. Maybe you need to try a different bank or lender to get that deal. The only way lenders will turn you down is if you exhausted already most of your equity of your house. Also, try looking into "Open Equity Line of Credit".
235145
It's definitely too good to be true. It's probably spam. My interest rate is 6.7 percent.  I thought that was good.  Be very careful to read the fine print on that loan application...)(
261114
so you have your own mortgage company?  I can probably help you steamline your process email me at taustin288@gmail.com and we can probably work out something
631625
It TOTALLY depends on the amount of time the loan is taken out for.  If it is just a line of credit (revolving), depends how much the business makes.  If you take out a "5" year loan, at 8.25% interest, well then, it will take you 5 years to pay, and your interest over time would be $11,188.75.  If you have Microsoft Excel, go in there and search for "loan amortization".  They have a designed schedule that let's you put in the loan amount, interest, time, etc.
158903
You can call any escrow company up and ask what the fees are for a loan amount. Also, if its a refi or a purchase.
599696
You need a private lender.  Explain your situation to them and hopefully one will be willing to take on the risk.  It will help a lot if you have a steady long term job.   Private Lenders charge more interest than banks and some of them do show up on credit search - make sure yours doesn't.  In Canada they advertise in major newspapers under the category, "Money to Lend."  We got our house this way and it worked great.  Good luck with the dream home!
108878
I currently have some very good government rates.  We are also a lender, not a dreaded broker.\n\nIf you would like more information, please contact me directly at timothy.kazee@americanhm. com and we can talk.
248319
Try out A+ Financial their interest rates are really low and the payment are cheap. They even have free advisors come to your home to discuss it all with you. Depending on your debt ratio you might need a co-signer but it is a really good company... I went from paying 870/month on debt to 246/month for 5 years. Their rates are lower than 6%
315429
sounds pretty good to me\n\nthe national average for a 15 year loan is currently 5.85%
193276
You'll get a lot more bank for your buck if you market yourself to local builders and realtors.  They will continually refer business to you throughout the year versus a consumer who may refer 1-2 loans to you every few years.  \n\nGet involved in local realtor and builder associations.  The membership is cheap and the networking opportunities are priceless.  \n\nIf you are deadset on marketing to consumers, make door holders to put on the doors of consumers, telling them the low payment they could have if they refinanced or bought a new home with a low rate. Actually show the math.  That's compelling!
404950
Are the lates on the mortgage?  If so, the 60-day is what is killing the 85%.  Unfortunately, I don't know of any lenders that would be willing to do that LTV either.  Have you tried hard money lenders?
431292
Shop shop shop for your loan.  Different lenders offer different deals depending on how much money they "have to move".  Sounds like you want a fixed rate loan.  Don't pay "points" or loan origination fees unless the difference in the interest rate provides a lower payment that pays back that much money in the time you are fairly certain you will stay in the home.\n\nYou have some chance that you will lock in a fixed rate and then rates will fall later, but rates are fairly low historically still.  You probably face a higher interest rate risk by taking an adjustable rate mortgage, and you have said you don't want that kind of risk.\n\nIf you are buying a starter home and know you will be moving in 5 years or less, consider a 5 year ARM (adjustable rate mortgage), but only if the rate is a meaningful amount less than the current fixed rate mortgage with the same (other) terms.
44762
With your situation you're working with an investment property and will take a hit on rate because it's not your primary residence.  But the rates that are available to you depend on your credit score, how much equity you have, mortgage payment history, and how much debt compared to income that you have.  \n\nI work for a company called MYLOAN and our rates are very competitive and service is top notch.  If you'd like a free no obligation consultation you can fill out an application on my website, email me, or give me a call.  I wish you luck in your search for financing.
538609
I cannot offer an answer for the first part of your mortgage,  most brokers will offer self cert as most mainstram lenders are now offering a self cert option via their specialist lending companies, which can cause consumer confusion as most are names which are not familiar to the lay person and only people working in the industry.  I know of a great 2 yr fixed with accord mortgages who is the specialist lender of Yorkshire Building Society - fixed for 2 yrs at 4.99% a prime product you could acheive approx 4.47% with nationwide (subject to conditins of course) so all in all compares quite well I think. Hope this helps with part of your question.
373462
Talk to a mortgage advisor at any estate agents. They scan a computer with over 33,000 mortgages on it to find the best one for you. Northern Rock do a 100% they told me.\n\nGood luck, be sure you know what you're doing!
230402
Think a repayment type is best\nI usually choose a tracker\nit has variable interest rate that is fixed 1 or 2 percentage points above bank of england base rate