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refinance: The Truth About No Closing Costs - 01/28/09 03:40 PM
Here is the short and splenda on how no closing costs mortgages work.  When people hear or read "No Closing Costs," the first thing they ask is, "HOW?"
Especially in a declining interest rate environment I dont think it makes any sense (in most cases) to pay closing costs.   Just like taxes and death you can always guarantee that there are costs associated with your mortgage.  But you do have options.  I always let my clients make the choice of whether or not they want to pay closing costs.   Hold on I know what you're thinking,  "Who would ever want to … (1 comments)

refinance: But What If Mortgage Rates Get Lower? - 01/17/09 09:43 AM
That is the question I have been fielding from my clients for a month now.  Don't get me wrong,  it's a great question.   But it leads many consumers into a state of "rate lock paralysis."  Many people don't want to lock a rate today out of fear that rates will be lower sometime in the near future.   There are two things I say to these types of borrowers:
I remind them about all the clients who missed out in January of 2008 when rates hit 5.00% for only a short while.   I had dozens of clients who could have saved $200,  … (1 comments)

 
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Justin Perry

Portsmouth, NH

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Mortgage Banker

Office Phone: (603) 570-4897

Cell Phone: (603) 682-4293

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