Mortgage Refinance experts come here

[Rabbo]

intial mortgage lo banker credit ichadu so no closing fees

ippudu refinance lo bankrate.com lo banker ni  credit ivvura closing ki ante , response ivvatledu

any other ideas to consolidate closing cost 

[AFDB_Director]

they will just add it to your loan or increase APR. there is no free lunch, they will just sneak it back to you loan. shop at local credit unions, they usually have low closing costs. also, Don't compare interest rates, compare APRs. 

[k2s]

19 minutes ago, Rabbo said:

intial mortgage lo banker credit ichadu so no closing fees

ippudu refinance lo bankrate.com lo banker ni  credit ivvura closing ki ante , response ivvatledu

any other ideas to consolidate closing cost 

Go to bofa... refi rates are best and lower than any other banks. 

And always go for 7/1,10/1 ARM to get low APR than 30 yrs fixed. Come out of fixed mindset. 

[pandit]

As far as I know, ne interest rate penchi netho overall ga extra kattistaru if lender is paying closing costs. Ne file meda work chesina loan officer ki salary ivvali kada brother. Closing costs kattakapote, bank valla employees ki jeetalu ela istundi.

Also, if you refinance, you are loosing all the interest money you paid so far. Amortization ani untundi adi chusko. I understand that interest rates are low now but I dont think it is a wise decision to refinance for a better rate. Again, It depends on your situation also anuko, I dont want to judge. Just my $0.02

 

[ram4a]

5 minutes ago, pandit said:

As far as I know, ne interest rate penchi netho overall ga extra kattistaru if lender is paying closing costs. Ne file meda work chesina loan officer ki salary ivvali kada brother. Closing costs kattakapote, bank valla employees ki jeetalu ela istundi.

Also, if you refinance, you are loosing all the interest money you paid so far. Amortization ani untundi adi chusko. I understand that interest rates are low now but I dont think it is a wise decision to refinance for a better rate. Again, It depends on your situation also anuko, I dont want to judge. Just my $0.02

 

Yes, Refinance too soon after 6 months when intrest rate went .1 to .5 percent low. it is foolish to refinnace.

No, complete ga refinance chayadam waste anedi false, I got total of 1.38 % reduction from 4.5 % to 3.12% that is really helping me out in overall payments.

 

 

[pandit]

11 minutes ago, ram4a said:

Amortization ani untundi adi chusko

 

11 minutes ago, ram4a said:

No, complete ga refinance chayadam waste anedi false

Yes, sir. Amortization batti cheskomantunna. No offense

[ram4a]

50 minutes ago, pandit said:

 

Yes, sir. Amortization batti cheskomantunna. No offense

Offense emundi Bro...

[Rabbo]

1 hour ago, ram4a said:

Yes, Refinance too soon after 6 months when intrest rate went .1 to .5 percent low. it is foolish to refinnace.

No, complete ga refinance chayadam waste anedi false, I got total of 1.38 % reduction from 4.5 % to 3.12% that is really helping me out in overall payments.

 

 

3.12 % eh bank tho vachindi bro...

[Rabbo]

1 hour ago, k2s said:

Go to bofa... refi rates are best and lower than any other banks. 

And always go for 7/1,10/1 ARM to get low APR than 30 yrs fixed. Come out of fixed mindset. 

ARM eh chustuna, market lo ippudu fixed rates ki lower apr unnadhi than my current apr, but evadu apr ki offers ivvatledu

[ram4a]

7 minutes ago, Rabbo said:

3.12 % eh bank tho vachindi bro...

united shore mortgage

[Kalam_Youtheman]

2 hours ago, ram4a said:

Yes, Refinance too soon after 6 months when intrest rate went .1 to .5 percent low. it is foolish to refinnace.

No, complete ga refinance chayadam waste anedi false, I got total of 1.38 % reduction from 4.5 % to 3.12% that is really helping me out in overall payments.

 

 

closing costs entha paid ?

refinance works if u can break even the closing costs in an years.. else nuvvvu closing costs kattindhanthaa neeeku recover kaaataaniki 5 yrs apdthundhii min... neee balance after 5 yrs before refin after refina compare chesko... most imp.. closing cost emaina pay chesthe add cheyyii to balance and compare... 

 

house lo max 10 yrs untee nee refinance ki worth else waste,,,

[Quickgun_murugan]

3 hours ago, k2s said:

Go to bofa... refi rates are best and lower than any other banks. 

And always go for 7/1,10/1 ARM to get low APR than 30 yrs fixed. Come out of fixed mindset. 

this is good. to know...

manchiga isthara rates?? 2.5 APR atla??

[ram4a]

2 minutes ago, Quickgun_murugan said:

this is good. to know...

manchiga isthara rates?? 2.5 APR atla??

Dubai lo loan teeskunte zero intrest anta....Islamic banking.

[AFDB_Director]

3 hours ago, Rabbo said:

ARM eh chustuna, market lo ippudu fixed rates ki lower apr unnadhi than my current apr, but evadu apr ki offers ivvatledu

why ARM man? I am purchasing with 3.375% - 30 year fixed with quarter points. Rates are all time low. Ippudu ARM ki evaru vellaru. If you want to live in the house for 5 years and sell, then go for ARM or else, it's waste due to upfront costs and considering the fact that fixed rates are pretty  low.

[karna11]

3 hours ago, ram4a said:

united shore

 adhi whole sale has nuvi direct gaa dhani ki vellalevu gaa madyaloo evade broker vuntadi gaa vadevadu