What are the best mortgage companies for refinance in the DFW, Texas area?

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A few years ago my stupid husband got a bad refinance loan – really bad, I don’t even want to admit the interest rate. He got in over his head with our credit cards, didn’t tell me, and looked for a way to get it together and picked the mortgage to cash out. I was a young wife who went along with it and signed the papers at closing, very pissed off. So I woke up and took over the finances and now our credit is great and I want to get rid of this horrid subprime loan. It pisses me off every time I pay the mortgage.

So…I began this process last year was lied to about locking in the rate after I paid $ 400 to lock it and so I abruptly stopped the refinance. This was a company I found through Lending Tree. So I want to do this with a decent company, preferably a mortgage company not some middle man mortgage broker. Does anyone have a recommendation? I just don’t know how to research to find a good one.

  1. Reply
    April 29, 2011 at 8:59 pm

    My mortgage is with Flagstar and they have been wonderful. Here is their website. https://www.flagstar.com/publish/fbc/fsb/en/www/pe/bg/borrowinggoals.html

  2. Reply
    April 29, 2011 at 9:57 pm

    Mortgages come in many different shapes and sizes, each with their own advantages and disadvantages. In this article you’ll be able to find out about current rates, along with advice from a home loan expert. So what is a mortgage anyway? Well mortgages are used by people and businesses to make large purchases of real estate without paying the entire value of the purchase up front. Mortgage lending is the primary way banks in most countries to finance private ownership of homes. Generally with a mortgage, the debtor must meet the conditions of the underlying loan or other obligation and the conditions of the loan.

    What about your credit?

  3. Reply
    Dale H
    April 29, 2011 at 10:23 pm

    I would ask a Realtor or two who has the best terms/service. I know we are competitive in our market, but I also know that there are a couple of companies that can beat us.

    You may want to check out http://providentfunding.com , too, just to keep them honest. They are known as a price leader in the wholesale business, but they also do retail loans.

    The best deal is the one with the lowest rate/closing cost combination given your particular situation. The longer you plan to stay in the loan, the more it makes sense to pay a little more in closing costs.

    If you need any help comparing offers, feel free to contact me.

    Good luck.

  4. Reply
    April 29, 2011 at 10:54 pm

    Your best bet is a local credit union. open an account with one (check them out with people who use them) that way if there is a problem you can always go in and meet the actual loan officer, (the one who made the decision). Credit unions do not sell the loans and you will not have to worry about middle-men.

  5. Reply
    April 29, 2011 at 11:29 pm

    I used “Credit Solution” to settle my loans and improve my credit score.They managed to reduce my loans up to 58% .It’s legitimate.I came across this company on NBC News Special Edition.Check it out here:

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