Hi
I saw your question I have decided to help people out due to the fact that I myself has been scammed twice by fake lenders in my search for a loan but at last I got a reliable lender that gave me the loan($60,000 USD) that I was in dire need of even with a bad credit. Hence I decided that I will refer anybody I come across to this God sent lender he is reliable and his terms are fair. You can get to him via his email address Please tell him that Deborah Kirk he gave out a loan to me . I have search for a legit lender until I got him and I decided to help my fellow humans with this because there are a lot of fake lenders out there and I do not want any body to fall a prey please get to him and tell him that I referred you to him.

Thanks.
Deborah Kirk

Yes you can

Make sure to price out your loan with your LOCAL banks and mortgage brokers only.
A lot people giving advice on here are also looking to give you a loan (its not advice, its advertising), if they are not local to you and you can’t get to them within 1 hour don’t fall for it. They say they are licensed in all 50 states, what does that mean? Which state do you have to look in first if something goes wrong? KEEP IT LOCAL; DON’T GET RIPPED-OFF BY SOMEONE IN WHO KNOWS WHERE WHICH YOU WOULD HAVE NO DIRECT ACCESS TO.

Remember Buddha’s advice:
“Believe nothing, no matter where you read it or who has said it, not even if I have said it, unless it agrees with your own reason and your own common sense.” You are the only “expert” you can trust: All brokers, and every other loan officer guru giving advice here with a .com or contact me at the end is “selling” you something (its not advice, its advertising). Don’t buy “it.”

You can definitely buy your rate down with a refinance. It is typically rolled into the mortgage so you don’t have to bring anything to closing, but you can pay for it out of pocket if you want.

If you’ve gotten behind on some bills like you say, your credit may be an issue. Talk with a direct lender now to make sure you qualify. They will be able to go over the available options - points vs. no points, consolidating some of your bills, etc. It is their job to make sure you are educated about your options.

Best of luck!

yes, you can pay discount points up front to buy down your interest rate. In many cases, every 1% of the loan amount that you pay up front will “buy down” your rate between .25% and .375%. This definitely makes sense to do if you are planning on staying in the home (or just keeping the same mortgage) for a long period of time.

Yes, you can buy points on a refi. But be aware, you can’t deduct the points outright on your tax return when the points were paid on a refi. You will have to amortize the points over the length of the loan.

Of course you can