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Buying a house in TX - Best mortgage broker to use?
Hi guys, I'm currently about to streamline refinance our first home (FHA) and also looking to buy a new home and am looking for a broker to go with to beat out Wells Fargo who currently holds my FHA loan, and who I have pre-approval with for the new loan.
I know there is a thread in "Hot Deals" about some great rates from a broker but for the life of me can't find it.
Also, my streamline with wells is 3.75% (we pay nothing at closing) but about 2K get's rolled into the loan, which seems a little steep.
What rates should I be looking for a 30 year conventional with 5-10% down? Mortgage of 350K or under. Sadly, credit is only ~690's, a couple derogatory marks from retarded stuff like 3+ years ago when some APT complex we lived in decided to not notify us we owed them 100 bucks for cleaning so they sent it straight to collections (didn't know we should have fought to have that removed). and also one negative from a credit card missed payment on a card I didn't use anymore when the annual fee billed.
I know there is a thread in "Hot Deals" about some great rates from a broker but for the life of me can't find it.
Also, my streamline with wells is 3.75% (we pay nothing at closing) but about 2K get's rolled into the loan, which seems a little steep.
What rates should I be looking for a 30 year conventional with 5-10% down? Mortgage of 350K or under. Sadly, credit is only ~690's, a couple derogatory marks from retarded stuff like 3+ years ago when some APT complex we lived in decided to not notify us we owed them 100 bucks for cleaning so they sent it straight to collections (didn't know we should have fought to have that removed). and also one negative from a credit card missed payment on a card I didn't use anymore when the annual fee billed.
