Sunday, July 20, 2014 6:38:53 PM
Wherever you go for a loan, ask for three options and the settlement statements for each option:
1. a no closing cost loan
2. a loan with fees in between the lowest rate and the no closing
cost loan
3. the lowest rate you can give me (highest fees)
Everyone's situation is different so with the three options you can pick the one that works best for what you are trying to do.
exp.
max cashout = no closing cost loan
lowest rate = good for person who wont refinance for a long time.
it may take five years of payments to pay for the
higher fees.
They will make money on you one way or another. they make money on the front of the loan (fees) or the back (rate) or a combination of both.
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