what bank has the lowest 30 year fixed mortgage loan?

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7 Comments
  1. Reply
    shop2early
    January 30, 2011 at 3:08 am

    Wells Fargo is good. But, they are a loan company.

  2. Reply
    mikahiwatari
    January 30, 2011 at 4:08 am

    Bank of America is the best choose for a 30 year one

  3. Reply
    zyberianwarrior
    January 30, 2011 at 4:50 am

    doesn’t matter they take it on a case by case and the lowest price commonly mentioned is about a 98% chance of NOT getting. What you need are low closing costs and other extras.

  4. Reply
    escapegrl1
    January 30, 2011 at 5:16 am

    try bankrate.com

  5. Reply
    Andrea - Mortgage Specialist
    January 30, 2011 at 5:51 am

    That will depend on a few things – the 1st is who you ask, everyone will always tell you they have the lowest rate. Base your mortgage decision on service as well as rate and fees.

    Anyone could give you 5.0% interest, but charge you $ 10k for it at closing. You’ll have to look at the big picture!

    Rates vary by state, whether you go through a bank or mortgage broker (brokers get wholesale rates from the bank) and have the option to shop multiple lenders, your LTV – loan to value, your debt ratios, whether you are doing a primary, second home or investment, cash out or purchase, high rise condo, etc. The list goes on and on!

    Contact me if you’d like more help on finding the best rate/program! andrea@afmc.biz

  6. Reply
    John P
    January 30, 2011 at 6:18 am

    It is not who has the lowest it all depends on you credit. Lousy credit, high rate, good credit a lower rate.
    Don’t go by “Shop2ear” Wells Fargo is a large banking organization and is owed by NorWest who bought Wells Fargo many years ago but like SBC bought out AT&T but kept the AT&T name because it is well known.

  7. Reply
    James S
    January 30, 2011 at 6:23 am

    Look at the rate and the APR
    This is the best way to see if your a getting the best deal. If the rate is low but the APR is much larger you are being ripped off on closing cost. The APR should be no more the .25% higher then the rate generally

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