# Loan guys: Where to get a mortgage. **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [September 24, 2009, 2:32pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988 "2009-09-24T14:32:18Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![ultradriver10000](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ultradriver10000/32/7397_2.png) [@ultradriver10000](https://forums.speedlife.net/u/ultradriver10000)\ **Post date:** [September 24, 2009, 2:32pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/1 "2009-09-24T14:32:18Z")
Looking to get a FHA loan in the next couple weeks. I am approved at a few places, but would like a few more to compare them to. Where should I go? Thanks! ---
**Author:** ![JustinH](https://avatars.discourse-cdn.com/v4/letter/j/9fc29f/32.png) [@JustinH](https://forums.speedlife.net/u/JustinH)\ **Post date:** [September 24, 2009, 5:15pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/2 "2009-09-24T17:15:44Z")
I was pretty happy with M&T. The guy I worked with downtown was really good, knew his shit. The only problem I had with them was the loan sat on a processors desk for a very long time, then the kid went on vacation. A few calls fixed that, but we got a very good deal, and my loan guy is pretty creative with ways to get you to qualify for grants and whatnot. Two years ago I got a 5.5% fixed full value loan. We walked from the close with about $1,000, plus a $5000 grant from NYS, plus a $5000 interest free loan from the gvmt. I’m pretty happy with them so far. The lady at Bank of America was very shitty, and gave me such a terrible FHA loan deal it was unreal. They throw in a ton of bullshit fees. My attorney looked at it, and couldn’t stop laughing. ---
**Author:** ![98SS10](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/98ss10/32/7288_2.png) [@98SS10](https://forums.speedlife.net/u/98SS10)\ **Post date:** [September 25, 2009, 4:53pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/3 "2009-09-25T16:53:30Z")
I would like to reccomend Alden State. I just got my refinance through them and so far they have been awesome. I had CCO before and they were ok, not really the friendliest tho. I guess the “little guys” go the extra mile to make ya happy. ---
**Author:** ![Jack](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jack/32/7613_2.png) [@Jack](https://forums.speedlife.net/u/Jack)\ **Post date:** [September 25, 2009, 6:20pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/4 "2009-09-25T18:20:32Z")
I went through Premium Mortgage, Julie Wilde ( I think ), beat every rate I could find. ---
**Author:** ![ieatpaint](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ieatpaint/32/7311_2.png) [@ieatpaint](https://forums.speedlife.net/u/ieatpaint)\ **Post date:** [September 25, 2009, 6:24pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/5 "2009-09-25T18:24:38Z")
M&T sucks big hairy horse cock. 6 months later and I’m still not closed. I had to babysit my mortgage officer and finally told them I can’t deal with this fuck anymore so now I’m onto number 2. This guy calls me back but it’s taken forever. Stay away from M&T if you want it to go smoothly. ---
**Author:** ![boardjnky4](https://avatars.discourse-cdn.com/v4/letter/b/96bed5/32.png) [@boardjnky4](https://forums.speedlife.net/u/boardjnky4)\ **Post date:** [September 25, 2009, 6:49pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/6 "2009-09-25T18:49:53Z")
it’s not gonna be any different of a rate, likely. Check with Wells Fargo though, I didn’t go with them, but they gave me a good faith estimate for the same rate as the one I DID take. ---
**Author:** ![ultradriver10000](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ultradriver10000/32/7397_2.png) [@ultradriver10000](https://forums.speedlife.net/u/ultradriver10000)\ **Post date:** [September 26, 2009, 8:33am UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/7 "2009-09-26T08:33:58Z")
So far the best rate I have is 5.00% I really want under 5 though just for fun. ---
**Author:** ![Joe](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joe/32/7219_2.png) [@Joe](https://forums.speedlife.net/u/Joe)\ **Post date:** [September 26, 2009, 11:31am UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/8 "2009-09-26T11:31:54Z")
Give HSBC a try. They are in the 4’s right now for conforming 15 and 30 years… ---
**Author:** ![Jack](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jack/32/7613_2.png) [@Jack](https://forums.speedlife.net/u/Jack)\ **Post date:** [September 27, 2009, 6:48am UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/9 "2009-09-27T06:48:53Z")
I went with premium because they crushed both M&T and HSBC. Worth the call. I was closed in less than a month, and not a single problem. ---
**Author:** ![ultradriver10000](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ultradriver10000/32/7397_2.png) [@ultradriver10000](https://forums.speedlife.net/u/ultradriver10000)\ **Post date:** [September 27, 2009, 8:31am UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/10 "2009-09-27T08:31:11Z")
Cool, closing on a house is easy in Texas, it only takes 3-4 weeks from what I hear. I think my best rate so far was 4.85% ---
**Author:** ![Penfold](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/penfold/32/5007_2.png) [@Penfold](https://forums.speedlife.net/u/Penfold)\ **Post date:** [September 27, 2009, 11:13am UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/11 "2009-09-27T11:13:36Z")
> [@ultradriver10000](#): > > Cool, closing on a house is easy in Texas, it only takes 3-4 weeks from what I hear. > > I think my best rate so far was 4.85% So you have gotten one of the best rates ever available and your looking for something better? What am I missing? The lowest in the last 38 years was a 4.81% in april 2009. (averages of course) ---
**Author:** ![ultradriver10000](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ultradriver10000/32/7397_2.png) [@ultradriver10000](https://forums.speedlife.net/u/ultradriver10000)\ **Post date:** [September 27, 2009, 11:34am UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/12 "2009-09-27T11:34:58Z")
> [@Penfold](#): > > So you have gotten one of the best rates ever available and your looking for something better? What am I missing? > > The lowest in the last 38 years was a 4.81% in april 2009. (averages of course) Yup, just because I have gotten a great rate, that doesn’t mean there isn’t something better out there I don’t know about. If I can get something better, you better believe I’m going to jump on it. It wasn’t until recently that I got this past mentioned low rate. Thanks guys! ---
**Author:** ![Scott](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/scott/32/7603_2.png) [@Scott](https://forums.speedlife.net/u/Scott)\ **Post date:** [September 27, 2009, 12:05pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/13 "2009-09-27T12:05:22Z")
> **[NACA](https://www.naca.com/)** > > NACA’s primary goal is to build strong, healthy neighborhoods in urban and rural areas nationwide through affordable homeownership. It will pwn any other mortgage out there ---
**Author:** ![Penfold](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/penfold/32/5007_2.png) [@Penfold](https://forums.speedlife.net/u/Penfold)\ **Post date:** [September 27, 2009, 12:29pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/14 "2009-09-27T12:29:46Z")
> [@Scott](#): > > [www.NACA.com](http://www.NACA.com) > > It will pwn any other mortgage out there > Purchase through NACA’s Best in America Mortgage with no down payment, no closing costs, without perfect credit and the best interest rate: 4.50% (Fixed 30 Year). Everyone gets the same terms. How do they expect to stay solvent? ---
**Author:** ![ultradriver10000](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ultradriver10000/32/7397_2.png) [@ultradriver10000](https://forums.speedlife.net/u/ultradriver10000)\ **Post date:** [September 27, 2009, 12:36pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/15 "2009-09-27T12:36:54Z")
> [@Penfold](#): > > How do they expect to stay solvent? Almost sounds too good to be true. I’ll look into it tough! 🙂 ---
**Author:** ![Scott](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/scott/32/7603_2.png) [@Scott](https://forums.speedlife.net/u/Scott)\ **Post date:** [September 27, 2009, 3:30pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/16 "2009-09-27T15:30:50Z")
I went to the class and its legit. They partner up with banks and get government grants. I was going to go through them for my purchase, however I wouldn’t have been able to complete the process in time to get the house I ended buying. Needless to say I will refinance with them down the road. Its def a solid program and saves a shit ton ---
**Author:** ![SilverGT](https://avatars.discourse-cdn.com/v4/letter/s/8dc957/32.png) [@SilverGT](https://forums.speedlife.net/u/SilverGT)\ **Post date:** [September 28, 2009, 1:42pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/17 "2009-09-28T13:42:33Z")
Granted i Refinance with M&T Bank my rate was 4.375% at 30 year fixed 🙂 and i closed withint 2 weeks :thumbup: Dont wait to long…you never know when a good deal like 4.85% will come agian. ---
**Author:** ![Penfold](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/penfold/32/5007_2.png) [@Penfold](https://forums.speedlife.net/u/Penfold)\ **Post date:** [September 28, 2009, 2:20pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/18 "2009-09-28T14:20:18Z")
^^ Really. Everyone agrees that rates will only go up from here. ---
**Author:** ![dubbin91](https://avatars.discourse-cdn.com/v4/letter/d/ecccb3/32.png) [@dubbin91](https://forums.speedlife.net/u/dubbin91)\ **Post date:** [September 28, 2009, 2:48pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/19 "2009-09-28T14:48:38Z")
> [@Scott](#): > > I went to the class and its legit. They partner up with banks and get government grants. I was going to go through them for my purchase, however I wouldn’t have been able to complete the process in time to get the house I ended buying. Needless to say I will refinance with them down the road. > > Its def a solid program and saves a shit ton If you can’t afford closing costs, down payment, and don’t have at least decent credit you should not be buying a house. ---
**Author:** ![\_Karu](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/_karu/32/7602_2.png) [@\_Karu](https://forums.speedlife.net/u/_Karu)\ **Post date:** [September 30, 2009, 7:37pm UTC](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988/20 "2009-09-30T19:37:22Z")
good infos. what’s the best and most reputable credit union in WNY? [Next page](https://forums.speedlife.net/t/loan-guys-where-to-get-a-mortgage/73988.md?page=2)