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If mortgage Rates are so low...then why are people so reluctant to refinance?
I'll give you my view on this as a possible candidate for refinancing.
I've owed quite a bit of Real Estate in the past and I've mortgaged about 95% of the properties I've owned. A few were owed via cash but on the larger purchases.....I was provided with a mortgage since I wasn't as liquid as I'd like to be.
I've since sold all of the properties accept for one that I have a small percentage in and no mortgage.
Back in 2005 when I sold my primary residence and purchased another....the rate was 5.875 which was fair back then on a 30 yr mortgage and both of our credit scores were high 700's and low 800's. We both had good income and could probably have purchased a home for more than we spent. We would probably be considered a very good candidate for a mortgage then and now. Right now we see that we could probably get a rate of 3.5% for a conventional 30 yr mortgage from our own bank.... so I've always said that if we were thinking of refinancing....it would have to be at least two points for it to make sense. I also want to switch to a different lender as I prefer my own bank and get away from the current one who shall be nameless. So I would hope I could have more trust working with the place we have all our money with, than with one that I'm not thrilled with, nor do I want to give them another stitch business. At the time I got the original mortgage....it was with a bank that no longer is in business and so we were forced to stay with the new regime!
My biggest reluctance of doing this is that ..... I'm seeing more people and more past clients that I know that are getting burned trying to do loan modifications or even refinance their homes. The people working at the bank are instructing them miss payments just so they can qualify and then they get hit with penalties and I even heard one of my clients was put into foreclosure after following the lenders instructions to start missing payments. Now their credit is all screwed up and after they do all this....they are denied the new loan amount and rate. I had one that closed on their new refinanced loan and found out later that their previous bank never received their information and slapped a foreclosure notice on them 6 months later! They didn't even notify them!... sorry but I'm not going to be one of your negative statistics.....It's all a crock of bull!
They've all had to hire attorneys and they're all trying to sue the banks so I can see why people that try to do the right thing like myself are reluctant to even bother going forward with it. It's very tempting to me when I see a rate of 3.5% and the difference in payments from what our current rate is. I'm not interested in making late payments. Thankfully we're not in that position where we need to make late payments just to apease a banks stupid formula.... but if we plan to move forward with this inquiry...I want to make sure that we don't get screwed by the banks and also don't want our very good scores to suffer as well.
Sorry but I don't have time for all that nonsense. I just want to make it very simple. Let's not complicate things and destroy what people worked hard for.
If you're looking to go this route...I would suggest that you consult with an attorney and an accountant first to discuss your options.
For more information ....Please contact Neal Bloom-Realtor® /Keller Williams Properties
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