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+20 Score 79 Replies 24,269 Views
Post #148503268 added 07-15-2021 9:30 PM by Raumbrtu in Hot Deals
No points. I actually got $2700 in credits too for 2.625 Not sure what is non-refi adjustment
+20 Score 79 Replies 24,269 Views
Post #148503307 added 07-15-2021 9:33 PM by funkaboo in Hot Deals
For a jumbo loan? Literally just spoke with them last Friday… I know rate dropped but not that significant. Non refi adjustment just means changing your interest rate without refinance your whole...
+20 Score 79 Replies 24,269 Views
Post #148504318 added 07-15-2021 11:23 PM by zakster in Hot Deals
I'm writing what I read in the fine print of the agreement and confirmed with the loan company who also told me the same thing.
+20 Score 79 Replies 24,269 Views
Post #148509304 added 07-16-2021 7:52 AM by pidass15 in Hot Deals
I don't have chase but curious if I could attempt this with my lender (BoA), how would I approach it? Ask for loan modification direct or what's the secret codeword that I can start the process?
+20 Score 79 Replies 24,269 Views
Post #148509829 added 07-16-2021 8:13 AM by rking0122 in Hot Deals
I’d find one of their mortgage folks as opposed to regular customer service. I’d just let them know you are considering refinancing with another lender but wanted to ask if they have the ability to...
+20 Score 79 Replies 24,269 Views
Post #148513504 added 07-16-2021 10:44 AM by bugelrex in Hot Deals
Trying to figure out also. I think we need to start the refi online and then request when you speak to loan officer?
+20 Score 79 Replies 24,269 Views
Post #148519393 added 07-16-2021 3:37 PM by pitt23fan in Hot Deals
I didn't feel like telling him...lol Also the recast puts you back on your payment schedule. Example: I'm 3 years into my 30 year mortgage, but I only have 17 years left currently. If I...
+20 Score 79 Replies 24,269 Views
Post #148612690 added 07-21-2021 5:31 PM by jojan1 in Hot Deals
Sounds like a plan!
+20 Score 79 Replies 24,269 Views
Post #148634338 added 07-22-2021 4:37 PM by funkaboo in Hot Deals
who's your lender?..... that's unheard of
+20 Score 79 Replies 24,269 Views
Post #148501810 added 07-15-2021 7:51 PM by moops1 in Hot Deals
Anyone seen this with BoA?
+20 Score 79 Replies 24,269 Views
Post #148502710 added 07-15-2021 8:52 PM by zakster in Hot Deals
No, what they were doing was a loan modification that was hidden in the fine print. Loan modification will adversely impact credit.
+20 Score 79 Replies 24,269 Views
Post #148510378 added 07-16-2021 8:30 AM by deepanvee in Hot Deals
Thanks. I know some lenders do this. I have a loan with Third federal and do this " rate relock" with them all the time. I had 5 ARM with them and I have done rate relock many times so my 5 yrs keeps...
+20 Score 79 Replies 24,269 Views
Post #148529311 added 07-17-2021 7:43 AM by chucktaylur in Hot Deals
What wording to you use to ask about this?
+20 Score 79 Replies 24,269 Views
Post #148925491 added 08-06-2021 3:11 AM by jif in Hot Deals
Yes, BoA offers this exact rate and rate modification on jumbo loans. It'll cost approximately $900. No credit pull, no changes to your existing loan terms and eliminates the need for any of the...
+20 Score 79 Replies 24,269 Views
Post #148499887 added 07-15-2021 5:48 PM by jailer1 in Hot Deals
That’s a fascinating offer. Wish my lender would do that!
+20 Score 79 Replies 24,269 Views
Post #148504039 added 07-15-2021 10:51 PM by rking0122 in Hot Deals
There is no reason a loan mod will adversely impact your credit if you are paying on time and as agreed. If a mod happens because someone fell behind or something, then, it is the late payments that...
+20 Score 79 Replies 24,269 Views
Post #148514038 added 07-16-2021 11:09 AM by rking0122 in Hot Deals
This isn't recast at all. A mortgage recast or loan recast is when a borrower pays a large sum toward their mortgage's principal, resulting in the lender recalculating the loan based on the new...
+20 Score 79 Replies 24,269 Views
Post #148603501 added 07-21-2021 9:02 AM by KrustyVT in Hot Deals
While this is a decent offer for Chase clients who are eligible, if you are able to move assets around there are better deals to be had with a refinance. As an example, I have a 30 year jumbo in...
+20 Score 79 Replies 24,269 Views
Post #148605607 added 07-21-2021 10:48 AM by JoeySD in Hot Deals
So doing a modification of the loan instead a full refinance does that mean you don't need to go thorough the full documents and provide income statements, bank statements, DTI calculation, etc. to...
+20 Score 79 Replies 24,269 Views
Post #148605811 added 07-21-2021 10:59 AM by rking0122 in Hot Deals
It depends on your lender in terms of what they’ll require, IF they even do it. But yes, if they do, generally all that changes is the rate…the other general terms of the loan don’t adjust most of...
+20 Score 79 Replies 24,269 Views
Post #148923838 added 08-05-2021 9:44 PM by yazyazoo in Hot Deals
This is a good thread to read up on. https://slickdeals.net/f/14173061-07-26-2021-best-mortgage-rates-from-big-reputable-lenders-and-sd-reviews-30year-2-75-15year-2-25-etc?v=1
+20 Score 79 Replies 24,269 Views
Post #149325769 added 08-26-2021 8:33 PM by chucktaylur in Hot Deals
Is this the term to ask for ''loan modification''?
+20 Score 79 Replies 24,269 Views
Post #150094750 added 10-04-2021 6:14 AM by mrhuggiez in Hot Deals
I contacted BOA for loan modification and they sent a package that requires completing Request for Mortgage Assistance (RMA) form and submit Income Documentations. It's not the single piece of paper...
+20 Score 79 Replies 24,269 Views
Unheard of? last year VA refi rates (as one example) bottomed at 1.75 (no pts) on 30yr jumbo for well qualified. Low 2s for many months if not year. Unfortunately my note hadn't seasoned on that dip...
+20 Score 79 Replies 24,269 Views
Post #148499335 added 07-15-2021 5:10 PM by funkaboo in Hot Deals
https://www.chase.com/ Thought I'd give the community a heads up, while going through a refi through Chase (also my current lender), I was offered a separate program to adjust my interest rate...
+20 Score 79 Replies 24,269 Views
Post #148500811 added 07-15-2021 6:43 PM by ChronoTriggered in Hot Deals
I have a Chase loan and just started a Chase refi about a week back. I just got the appraisal.... would be nice if we skipped the whole underwriting process....
+20 Score 79 Replies 24,269 Views
Post #148503208 added 07-15-2021 9:26 PM by Raumbrtu in Hot Deals
Quicken loans giving 2.625% on new mortgage and 2.375 for refinance without any points Then how chase is better ?
+20 Score 79 Replies 24,269 Views
Post #148503232 added 07-15-2021 9:28 PM by funkaboo in Hot Deals
Read the fine print, it costs a point for that rate. Also, the deal is for a non-refi rate adjustment 😉
+20 Score 79 Replies 24,269 Views
Post #148503382 added 07-15-2021 9:38 PM by Raumbrtu in Hot Deals
Chase offered you a lower rate without refinancing so that you don’t go outside chase to explore the market. I can guarantee that you can get 2.4% rate outside chase today without any points and will...
+20 Score 79 Replies 24,269 Views
Post #148504165 added 07-15-2021 11:06 PM by pitt23fan in Hot Deals
Wrong...this isn't even close to a mortgage recast.
+20 Score 79 Replies 24,269 Views
Post #148507093 added 07-16-2021 5:37 AM by vb55490 in Hot Deals
Which lender?
+20 Score 79 Replies 24,269 Views
Post #148507207 added 07-16-2021 5:47 AM by hd50hd in Hot Deals
credit ding and of course also! NO access to the 20% equity build up over last months! and also add principal paydowns! free insurance for " bank " @ these "low rates"
+20 Score 79 Replies 24,269 Views
Post #148508119 added 07-16-2021 6:46 AM by chucktaylur in Hot Deals
I have a mortgage with Chase @ 4.65% over 30 years thats 7 years in. I plan on selling within the next 3 years so I dont want to refinance. Can I just go into Chase and ask for a lower rate without...
+20 Score 79 Replies 24,269 Views
Post #148511698 added 07-16-2021 9:31 AM by ToolDeals in Hot Deals
Not really.... You are always paying interest on the principal borrowed with nothing stopping you from paying principal early to save interest. ARM's can be dangerous. Should the housing market...
+20 Score 79 Replies 24,269 Views
Post #148511947 added 07-16-2021 9:41 AM by KaatuPaadi in Hot Deals
OK. Recast with no APR change and No additional money to be paid for principal
+20 Score 79 Replies 24,269 Views
Post #148513081 added 07-16-2021 10:25 AM by mitchflorida in Hot Deals
I asked them a couple of times, dummy.
+20 Score 79 Replies 24,269 Views
Post #148516861 added 07-16-2021 1:21 PM by Examiner44 in Hot Deals
I called Chase Mortgage customer service today to inquire about this. She said my account is not eligible for this program. The accounts that are eligible are flagged in their system as eligible. I...
+20 Score 79 Replies 24,269 Views
Post #148501804 added 07-15-2021 7:50 PM by slicklorey in Hot Deals
How do you request this change of interest rate without refinance rewriting ?
+20 Score 79 Replies 24,269 Views
Post #148501822 added 07-15-2021 7:52 PM by zakster in Hot Deals
I didn't request anything from my current lender other than the pay off quote during the refi that was going through with better. com. They sensed that I will be closing the loan and called me...
+20 Score 79 Replies 24,269 Views
Post #148501903 added 07-15-2021 8:01 PM by SLIGHT in Hot Deals
I had a similar experience with Chase many years ago on an equity line of credit. I had opened the line a few years before and the spread to prime had probably gone down for most banks. Chase sent...
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