depends but most likely
we do alot of subprime credit volume, the savings could outweigh the penalty but then again august is comin up quick…when ur ready to refinance hit me up, i’ll get you set with what you want
I though of that but I can’t do anything until my ex actually signs the divorce papers and things are final. Please send me a PM with all your contact info and I’ll get back to you as soon as I’m able to refi.
Depending on what type you have, you may be able to consolidate them, I think mine are at about 2.65%.
If he cant help you, i am also a mortgage broker here in Indiana, pa Have about 300 approved lenders. I have been in the mortgage industry for about 7 years now. I can do anything from bankruptcy buyouts, forclosures, doublewides, and construction loans. Also ask me about a free gift certificate if you close your loan through me. Not trying to take your buisness. Thanks
Email is cuterrider024@yahoo.com
Leilani
I have a credit score in the mid 550’s. I have hardly any money in my savings and my income to debt ratio isnt exactly stellar. How hard will lenders laugh at me if I try and get a mortgate?
^ some will write that loan on a 2 year ARM… but you have to have money. even 100% with and extra 6% seller concession will not cover most companies closng cost, bank cost, title cost, taxes, stamps, insurances, etc etc etc… plus you have to pay for the appraisal and home inspection.
much better off saving some dough, getting more solid job and rent history, and building up the score! 
damn some people are getting good ass intrest rates. i thought i got a good one. i just bought a house with a credit score of 714. locked in at 6.25% zero downpayment. Of course i’m lazy and didnt shop around for good loans. I just went to citizens bank since ive been banking with them since 1994. oh well guess will learn.
ppl also lie about their rates or dont understand what their rate is. thats a very good rate in todays market.
My GF of 8 years needs a home loan for 70k she hasnt even stared shoping yet , im balled up at 7.25eatsass% but i think im stuck:dunno: i’ll talk to the GF and let you know
70K. damn. The tiny ass lot across from my house is going for the “reduced, must sell” rate of $175,000. 
x2
once ur credit gets over 620 and ur dti is around 50% u can get a “bandaid loan” (any type of low payment arm) to fix ur credit up closer to 700 or more in less than 2 yrs, then you will get the good interest rates
just let me know, if theres a program out there she wants/qualifies for, i can get it
x infinity
thats kinda what i was thinking. since the prime rate is over 8%. i’m also a first time home buyer and been banking with citizens for 12 years.