what branch of finance gives you the lowest home loan. i have good credit and looking at 8.5% on 110000 loan?
346236
Holy High Fees Batman!!!!!\n\nYeah...you definitely need to kick that company to the curb.  I am surprised your Realtor has not told you to do that yet (if you have one).\n\nIf you would like a much lower quote on financing at a much, much lower rate, you can feel free to contact me at timothy.kazee@americanhm .com and we can talk.  Talk to you soon!\n\nI still cannot believe that deal.  Those guys should be put our of business.  Also, don't let them give you any excuses on this offer.  There are NO excuses for this whatsoever.  I wou7ld recommend not even calling them anymore at this point and not taking calls from them.
251318
There are a lot of different kinds of loans:\n- mortgage loan for your house... a 2nd mortgage for your house... a home equity loan which uses your home's equity to determine the amt.\n- an automobile loan for your car\n- a personal loan\n- a student loan\n- a parent school loan\n\nThere are also lines of credit which are sorta along the same lines... I don't recommend a line of credit over a loan though.\n- home equity line of credit\n- personal line of credit\n- (credit cards)\n\nIf you need one ( a loan), go speak to a financial advisor/planner, or go speak to a loan representative at a local bank or credit union.\n\nWashington Mutual offers free financial advice at the branches if you have one in your state.
901240
Just because a company is advertising that they offer a 5.5, chances are your not going to qualify for it. That is a just a marketing trick to get you interested. They best way to tell what kind of rate you will qualify for is based on three simple questions.\n\n1. On a scale of 1 to 10 what is your credit score like?\n\n2. Have you had any 30 day lates or more on your mortgage in the past two years.\n\n3. What is the loan to value on the home? Meaning how much do you owe against how much the home is valued at. \n\nOnly people with 700+ credit scores with low LTV will qualify for that rate in today's market.\n\nGood Luck!
685416
Hi Pat,\n\nI am a loan officer and you should easily be able to get a loan.  We are not allowed to discriminate because of age and with a credit score of an 850 you can get the best deals out there.  I would recommend you asking around and find a trusted mortgage broker who can search out the best loan for you.  Most brokers work with about 50-100 different lenders and can find you the best deal out there.  If you are in Texas I can help you and if you are in another state I can probably refer you to a good company.  Feel free to email me if you would like a referral.\n\nBy the way, if you do get into a house you can then do a reverse mortgage and pay off your loan or get some money back.  I specialize in reverse mortgages and would be happy to assist you with that also.
1022515
Well, that depends on where the balance of $164,900 is coming from.   Is your down payment $90k or is your loan amount $90k?  \n\nRegardless, do a search on loan amortization tables.  You can put in the loan amount, term and interest rate, it will give you the monthy payment.  There are a ton out there (may even be one in Yahoo Real Estate section).
153857
5 percent and up depends on % down payment and your credit history and income level
170165
it all depends on your fico score. The lower end rate right now is anywhere around 5.9 to 6.5,(this is in loan amounts lower that $417,000) in order fot you to obtain this kind of rate your will need to have a average fico score >720 and no derrogatory history on your credit report. The lower your fico score or derrogatory history the higher your rate is going to be. As you know, the federal reserve keeps raising their rates in every meeting by a .25 of a point, and the higher they go, the higher rates will go as well. \n\nHope that helps,
22870
I can speak from experience here.  I do not have a very high score I think it is in the low 600's.  I think the main reason is that people are still able to get credit while having a score this low.  You may have to pay a higher interest rate but you can still get a car and a house.  I know I have a mortgage and I just refinanced for a slightly lower fixed rate at 4.5% interest.  I don't think that is too bad for someone with below average credit.  We all should care more about our credit. We just have champagne taste on a Boone's Farm budget.
1084836
Everything you need to know is here:  http://www.homebuyingguide.org/\n\nAlso check http://www.bankrate.com/brm/rate/mtg_home.asp\nThis will help you to compare rates between companies.\n\nPick a company that looks good on both rate and fees, and make application.  Ask them for your credit score, so you can then call other lenders to see what their rates are for your score.\n\nFirst time homebuyers may also qualify for assistance or a lower interest rate.  Look for your state's Housing Finance Agency or Housing Development Authority to see if you can qualify.
484925
That's pretty low.  They maybe will if you have a big down payment and agree to a huge interest rate.
619274
Based on the scores I see at my bank, they average in the Mid 600's. I think the FICO average is 620-650.\n\nhttp://loan.yahoo.com/c/basics7.html
267499
That really depends on several factors:\n\n1) How much of the loan amount\n2) Do you plan to stay in your home for long-term or short-term (investment property) or are you trying to rent it it has 2-4 units\n3) How much down-payment will you give and whether it is all yours or some borrowed or given to you as a gift\n4)If you make enough money per month\n\nRemember that to obtain an interest rate of 5.78% it depends on what state you are in too. If you are in LA interest rates are going up again. Those 5.78% are going to be harder to get.\n\nIf you have a job that pays more then $4,000 per month, you have had a job for more then 2 yrs that pays $4,000, and have a credit FICO score of more then 720 then your odds of getting that interest rate increase\n\nWORD TO THE WISE...if you get a loan officer to do your loan make sure he goes FULL-DOC if you have a salary job, make good money, and have lots of savings in the bank\n\ncheers
572749
The lowest rate on the market may not be the lowest rate available to you as what lenders will offer you depends on your personal circumstances. The lowest rate today may not be the one you get as interest rates are subject to change - go visit a couple of different brokers and get some illustrations of what is available to you based on your circumstances.
786217
You should try contact your lender for payment options.  Or, find a lender that will buy your debt and offer a lower payment option
657411
You need to go and talk to a Mortgage Broker.  Any loan officer worthy of the name can easily assess your situation in short order.  STAY AWAY from anyone who is going to charge you fees up front (with the exception of the fee for pulling your credit bureaus.)
533873
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%
556221
I get 100% loans for credit scores that low all day long.  Like a previous person said, you'll have split it into two loans (80% and 20%) and should opt for the ARM.  \n\nUnfortunately, I'm only licensed in PA.  \n\nYour best (and possibly only) bet is to contact a local mortgage broker out of the phone book.  Check out and bookmark my blog to learn all about home financing and what mortgage brokers do: http://explaintome.blogspot.com\n\nWhether you can get a 100% loan depends on all the other factors besides credit.  Do you pay your rent by check?  Can your landlord verify that you paid 12 payments on time?  Do you have 2 years work history in the same line of work?  Do you have some extra money in the bank as reserves just in case you fall on bad times?  Do you make enough money to support all your current debts plus this new payment, including taxes and insurance?\n\nThose are the questions you can discuss with your mortgage broker to get yourself financed.