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Forum
-> Household Management
-> Finances
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amother
OP
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 Thu, Jul 09 2020, 12:10 pm
With the rates being so low, we are looking at refinancing to a 15 year mortgage.
How do we go about this to get the lowest rates and less fees? Is it better to use the same bank that we are using now to avoid fees? Any special programs?
Please guide me, thank you!
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chocolate moose
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Fri, Jul 10 2020, 11:42 am
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you can hire a broker to get you the best deal
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amother
Magenta
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Fri, Jul 10 2020, 11:45 am
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Call a mortgage Baker or broker and get a quote. Sometimes your bank is best but usually not ...
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ez-pass
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Fri, Jul 10 2020, 11:46 am
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You can pm me for a name of an amazing mortgage Banker.
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amother
OP
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Mon, Jul 13 2020, 11:49 am
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Thanks for the responses. Is it cheaper to do it yourself because I assume the mortgage broker/banker is taking some $$$
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amother
Firebrick
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Mon, Jul 13 2020, 11:51 am
I just called the original banker we had used for our mortgage.
I don't think they put a charge on it, they just make a commission.
It's definitely easier to do it with a broker/banker.
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amother
Magenta
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Mon, Jul 13 2020, 12:33 pm
| amother [ OP ] wrote: | | Thanks for the responses. Is it cheaper to do it yourself because I assume the mortgage broker/banker is taking some $$$ |
As someone who is in the mortgage business they get paid a commission on the rate it doesn't come out of your pocket. It is 100000% worth it to got through someone who knows what they are doing and can structure your file correctly.
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