Subject* Refinance

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I refinanced with Choice Finance (Craig Coleman) many years back and I am looking at refinancing again. I have a $345,000 outstanding balance (home original price is $459,900 in 2006) at 5.75% and am thinking of a 15 or 20-year loan with 0 points. I have an 800+ credit rating. What is the current mortgage rate in HarfordCounty? Can get an estimate of closing costs?

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Answer #1

Dear Hartford County – Craig Coleman retired from Choice Finance at least 4 years ago if not a little longer. Rates are much lower than your 5.75% currently. 30 year rates are just under 4% with 0 points and 15 year rates are in the mid 3% range. We would need to learn more about your specific situation to determine where your rate options are. My lender fees are $714. I’m guessing if your equity is still in the 75% range and your credit score is at 800+, an appraisal will most likely not be required saving you that additional fee. Call me at 301.517.5434 to discuss your situation. I have access to Craig’s old files hopefully making the process more streamlined for you. Hope to hear from you soon.

Eric Strasser
3015175434
NMLSR#111971

Answered By: Eric Strasser Level Rating

42points

Answer #2

Harford County,

Based on the numbers you provided it could be as low as 3.375% to 3.75% based on the equity and type of loan you choose. The 15 or 20 for example. This is not a rate quote just a range of possible rates with no points attached to them. For exact rates you need to contact one of us. There are three parts to closing costs. Bank fees, attorney fees and escrows.
I can walk you thru each one and try and get them as low as possible. Taxes may apply also based on the type of loan. I am a former Choice Finance employee as well and would be able to talk via email or phone whenever you have a few minutes to compare. If you like you can fill out a no cost, no obligation application so I can give you more accurate numbers. The site is http://www.monarchmortgage.com/bmendelson

Thanks,

Brent Mendelson
Senior Loan Officer
Monarch Mortgage
600 Jefferson Plaza, Suite 400
Rockville, MD 20852
240-403-1970 Direct
301-412-0259 Cell
http://www.monarchmtg.com/bmendelson
nmlsr#111407

Answered By: Level Rating

97points

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