Despite what you hear from a co-worker or the media, interest rates are still good. It is only the sub-prime lending community that is in trouble. FHA, VA, and standard Conforming loans are still going strong. If you currently have a sub-prime loan you may qualify for better loan terms. You may have qualified before but weren't told you were.
I am a Mortgage Broker with Cascade Financial & Co. Call me and I will work up several scenarios for you to consider and give you my recommendations of what type of loan program you should choose and why.
As you browse my web site you may notice that I am not spending a lot of time talking about how great my bank is(even though it really is). I want you to get to know me. The name or size of the lender is one of the costliest misconceptions a person can have. Fact of the matter is this. Fannie Mae, Freddie Mac, FHA, and VA are the ones that set the guidelines for the loans they secure. When getting a loan, you need a Loan Officer who knows the what the underwriter needs and can prepare you for any pitfalls that could occur from the get go.
I do not sell sub-prime loans! In any instance where there is no other alternative, my first piece of advice to you is going to be to wait. 95% of the time you save more by taking the time to repair your credit than it is to take a higher interest rate loan.
Please browse through my site and call me if you have any questions or would like for me to give you a quote on purchasing or refinancing your home.
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