My mortgage rate is going to adjust this June, need advices in advance..?
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My monthly payment will increase 200-300 a month if I don't do anything about it.
Can someone give me some advices on what to do?
And does anyone know which place has the best mortgage rate to go to and offer fixed rate permanately?
I won't default my loan because I can still afford it.. but I rather not pay for the additional $300 a month so I can put money in the stock market and lose more money I just love watching my stocks go down in this god dmn market.
My mortgage rate is going to adjust this June, need advices in advance..?I would check with a local branch of a large bank and see what they can get for you.
Then I would check Chrurchill Mortgage. They have a special program that is a no closing cost refinance. Literally. They don't wrap the costs up in the loan by increasing your principle like some companies do. I don't know what the details are, but it is definitely worth looking into. At the very least you could get refinanced quickly to avoid the increase in payments and then take some time shopping around for the best deal.
Also, if you can afford the extra payments, consider refinancing to a 15 year mortgage (or 20 year). You'll get a better rate and save yourself TENS OF THOUSANDS of dollars in interest and be out of debt faster!
My mortgage rate is going to adjust this June, need advices in advance..?a very small but well established local bank will be able to do a lot more for you than any of the big franchise mortgage companies. i would start there and hope for the best
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