what is the lowest bank mortgage rate out there?
104795
http://money.cnn.com/pf/informa/
1064299
I agree with Realestatelawyer on this one.  There would be a clause in your mortgage that would not allow it to go any higher than 9.875%.  As far ARMS being dangerous????  That is just not true.  They are only dangerous for the dumb witted person that has no idea what they have gotten themselves into.  Use them right and they will be your best friends.\n\nI would ride out the 5.875%.  Maybe add some extra payments onto the mortgage this year as well.  I doubt that rates with be anything like they were in the next two years, but we never know what could happen.\n\nGood luck with that.  If you still are considering refinancing, feel free to contact me and I could help you out with that.  You can contact me at timothy.kazee@americanhm .com.  Have a great night!
94422
Get on the phone and get good faith estimates. It will take a while to give them all the info but may be well worth it. Get at least 5 if you really want to be sure you have a good deal. You might also try a mortgage broker, they can take your info and hook you up with the best lender they have access to for your particulars.\n\nThe problem with strictly trying for a lower rate is that someone can give you higher fees and a lower rate no problem. \n\nIf you are not financially savvy and just love crunching numbers into the wee hours of the morning with your spreadsheet program then just compare the APR of each offer. This is actual percentage rate which takes the fees into account. \n\nThe same lender can give you multiple options if you have a particular need such as fewer up front costs. They can raise the rate to lower the fees in the for of points. Then you can compare apples to apples between lenders and see who really has the best offer.
393433
Lower rate, but sometimes they add on "points" (look it up)or it could be for a 3 or 5 year ARM (adjustible rate mortgage) that once it's up you pay whatever the current rate is. Plus, you probably don't want to refinance unless you can get about a point or more taken off (to cover new closing costs)
15075
Something you do not want!\n\nAjustable Rate Mortgage...this percentage interest on your mortgage will change based on a percentage over the goverment's T-Bill, which changes for inflation throughout the year. If interest rates are VERY high, say over 8-9%, you may wish to get a low Adjustable Rate with the idea that it will go down in the future and you can then refinance a fixed rate at that time...or...if you are making little money now and need a low payment but are certain that you will be able to afford a higher payment in the future. These often have maximums that they can go up per year, but eventually they are going to give you a much higher finance charge and interest paid over the length of the loan. \n\nA low fixed rate is preferable if you plan to make payments for the lenght of the 15 or 30 year loan and don't want to pay a lot of interest ;)
273288
remember not to go to a broker because they earn commission which could have been discounts off your home loan and they throw you away after the sale.\n\nremember to haggle. go to the 4 major banks, talk to every trustworthy financial institution and haggle. for my experience, i got 0.9% off of the lowest rate at the time, it was cheaper than what the bank paid on term deposit interests.
495520
It is best for you to shop around at all the banks here.  Check out their websites, they will normally post their interest rates on-line.  Try:\n\nChase\nBank of Kenosha\nJohnson Bank\nSouthport Bank \nNorth Shore Bank\nEducators Credit Union\nSouthern Lakes Credit Union\nAMCCU (American Motors Community Credit Union)\nBank of Elmwood\n(I would advise you to stay away from TCF, that is just from what I have heard from others)\n\n... that is all I can think of right now.\n\nYou can also check bankrate.com for a listing of national rates, so you can tell what the norm is.
1074568
Not knowing your situation, I would suggest doing your homework first.   You can different rates on www.homemortgagezone.com and lowerratesnow.com/loans/refianance/Adjustable\n\nI would also check with credit unions and banks, not with just mortgage companies as sometimes you can get better rate.   Please, please read the fine lines and don't get suckered into additional cost you do not need.
556597
You want to check bank interest rates on line, compare, and then decide.\n\nWorld Savings and Loan I worked for many years ago, they don't always have the best rate available.
162799
There is no average number of discount points.  Most lenders will offer anywhere from 0 to 3 points.  These aren't really "charged", either; YOU select and agree to the number of points. You're simply paying a premium for having a lower interest rate on the loan.\n\nIf you mean average mortgage interest rate, you can check here for rates in your area: http://mortgages.interest.com/index.asp?
88672
Contact your state Banking Department.  They will have information on your state's lending practices.  If your mortgage has such a restriction, it will be worth your time to refinance and get a lower rate and no mortgage insurance.  Good luck!
615809
Look for a low interest rate, and no annual fee.
1141632
A couple of good places to look for this information.\n\n#1. I use www.bankrate.com\n#2. I also check my newspaper business section. They usually have a list of all the best rates that they know of.\n\nI hope that helps!
141210
I would try RegionalMortgages.com\nWhy are you going NoDoc?  Self-Employed?\nIf not try to avoid NoDoc as the rates are typically higher than traditional mortgages.
1012787
You can probably do it, but you'll have to shop around.  Most banks don't offer mortgages on unimproved land, but there's got to be a few that do - but the interest rates may not be so good!
62638
Depends on the amount financed and your area of North Carolina.  You can check out Bankrate.com at\n\nhttp://www.bankrate.com/brm/rate/mtg_home.asp\n\nDon't be pulled in by the lowest rate.  IMHO, my advice would be to use a local lender not some out of state outfit.
1016557
I think they are all pretty much offering a rate of 3.5 if you look online. I suggest you consolidate or refinance before June 1st. Here in CT the rates are about to go up to 7%