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Mortgage company #6959969
08/10/20 11:05 AM
08/10/20 11:05 AM
Joined: Nov 2013
Posts: 2,774
Oklahoma
M
Matt28 Offline OP
trapper
Matt28  Offline OP
trapper
M

Joined: Nov 2013
Posts: 2,774
Oklahoma
anyone have a mortgage company they would recommend? Thanks.

Re: Mortgage company [Re: Matt28] #6959992
08/10/20 11:47 AM
08/10/20 11:47 AM
Joined: Jul 2008
Posts: 2,414
Idaho Falls, Idaho
F
Furvor Offline
trapper
Furvor  Offline
trapper
F

Joined: Jul 2008
Posts: 2,414
Idaho Falls, Idaho
I've used Liberty Mutual for 15+ years. Has been excellent. They have made good offers that I accepted and bad offers that I declined.

Re: Mortgage company [Re: Matt28] #6960003
08/10/20 12:03 PM
08/10/20 12:03 PM
Joined: Mar 2010
Posts: 3,006
Oklahoma
Blaine County Offline
trapper
Blaine County  Offline
trapper

Joined: Mar 2010
Posts: 3,006
Oklahoma
Let me know if you want someone in OKC. I have a good guy that can help.


MOLON LABE
Re: Mortgage company [Re: Matt28] #6960004
08/10/20 12:06 PM
08/10/20 12:06 PM

C
Cysquatch
Unregistered
Cysquatch
Unregistered
C



DON'T Use Wells Fargo. Maybe that goes without saying...

Re: Mortgage company [Re: Blaine County] #6960029
08/10/20 12:44 PM
08/10/20 12:44 PM
Joined: Nov 2013
Posts: 2,774
Oklahoma
M
Matt28 Offline OP
trapper
Matt28  Offline OP
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M

Joined: Nov 2013
Posts: 2,774
Oklahoma
Originally Posted by Blaine County
Let me know if you want someone in OKC. I have a good guy that can help.

I would like to have someone that if thing don't go well I can show up and talk to someone face to face. I dont trust over the internet deal. But I have been doing some looking and it seems they are almost all over the internet. I will give your guy a call and see what they say. Thanks.

Re: Mortgage company [Re: Matt28] #6960031
08/10/20 12:54 PM
08/10/20 12:54 PM
Joined: Jul 2008
Posts: 2,414
Idaho Falls, Idaho
F
Furvor Offline
trapper
Furvor  Offline
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Joined: Jul 2008
Posts: 2,414
Idaho Falls, Idaho
Quote
I dont trust over the internet deal.


To finalize a deal you would have to sign papers.

Re: Mortgage company [Re: Matt28] #6960039
08/10/20 01:13 PM
08/10/20 01:13 PM
Joined: Mar 2018
Posts: 300
SW MISSOURI
R
Rockfarmer Offline
trapper
Rockfarmer  Offline
trapper
R

Joined: Mar 2018
Posts: 300
SW MISSOURI
flat branch mortgage company


www.nationwidecartparts.com
3rd Infantry Division
1st Infantry Division
U.S. ARMY
Re: Mortgage company [Re: Matt28] #6960044
08/10/20 01:24 PM
08/10/20 01:24 PM
Joined: Feb 2015
Posts: 776
MN, USA
star flakes Offline
trapper
star flakes  Offline
trapper

Joined: Feb 2015
Posts: 776
MN, USA
I would agree with never dealing with Wells Fargo, but with the cheap money out there, the place to start just may be your personal banker. When you are disqualified for a loan from a bank, then it moves into institutional lending, or extensions of government. There are numbers of issues now in flood insurance and other things that are mandated which jack up costs on mortgages, but you would be dealing with a local government agent as in FHA or FmHA.
There is a trapper on here who often asks for advice, who has gotten into real problems with using predatory lenders. As others have stated, the internet is a bad place preying on people. I would start at my personal bank, and see what their directions are, as it is free, and it will be a great deal better than taking advice from non financial people on T'man.

Re: Mortgage company [Re: Matt28] #6960048
08/10/20 01:33 PM
08/10/20 01:33 PM
Joined: Dec 2006
Posts: 21,338
williamsburg ks
D
danny clifton Offline
"Grumpy Old Man"
danny clifton  Offline
"Grumpy Old Man"
D

Joined: Dec 2006
Posts: 21,338
williamsburg ks
local bank is not free. there are up front costs when you apply. like an appraisal and inspection. best place to go though. they can tell you on the phone what fees they require, down payment, interest costs as they already know you. local small town banks like to invest local also.


Those who would give up essential liberty, to purchase a little temporary safety, deserve neither liberty nor safety. Benjamin Franklin (1706-1790)
Re: Mortgage company [Re: ] #6960053
08/10/20 01:45 PM
08/10/20 01:45 PM
Joined: Sep 2013
Posts: 10,010
Green County Wisconsin
G
GREENCOUNTYPETE Offline
trapper
GREENCOUNTYPETE  Offline
trapper
G

Joined: Sep 2013
Posts: 10,010
Green County Wisconsin
Originally Posted by Cysquatch
DON'T Use Wells Fargo. Maybe that goes without saying...


well if it doesn't I am going to say it again.

at the beginning of corona Wells Fargo started a checking account in my name , I had done one of those no intrest for a year on a washing machine deals several years ago it was through Wells Fargo.

it seems the were trying to save jobs again at the beginning of covid opening accounts or adding accounts to anything they could , I though it had been long closed but they found my info and made up an address and opened a checking account.

if you don't recall they were fined big time for these types of practices in 2018.



local credit unions are the best mortgage company in my opinion


America only has one issue, we have a Responsibility crisis and everything else stems from it.
Re: Mortgage company [Re: star flakes] #6960054
08/10/20 01:46 PM
08/10/20 01:46 PM
Joined: Nov 2013
Posts: 2,774
Oklahoma
M
Matt28 Offline OP
trapper
Matt28  Offline OP
trapper
M

Joined: Nov 2013
Posts: 2,774
Oklahoma
Originally Posted by star flakes
I would agree with never dealing with Wells Fargo, but with the cheap money out there, the place to start just may be your personal banker. When you are disqualified for a loan from a bank, then it moves into institutional lending, or extensions of government. There are numbers of issues now in flood insurance and other things that are mandated which jack up costs on mortgages, but you would be dealing with a local government agent as in FHA or FmHA.
There is a trapper on here who often asks for advice, who has gotten into real problems with using predatory lenders. As others have stated, the internet is a bad place preying on people. I would start at my personal bank, and see what their directions are, as it is free, and it will be a great deal better than taking advice from non financial people on T'man.

Thats who has my home loan now is the bank who did my construction loan so I could build my house. I have 5 years set rate then it can change. I just want to get a mortgage company to pick it up and do a 15 or 20 fix rate.

Re: Mortgage company [Re: Matt28] #6960055
08/10/20 01:46 PM
08/10/20 01:46 PM
Joined: Aug 2010
Posts: 7,748
Asheville, NC
C
charles Offline
trapper
charles  Offline
trapper
C

Joined: Aug 2010
Posts: 7,748
Asheville, NC
Many mortgages are bundled and sold to Freddie Mac or some bank. You can not count on your lender keeping your mortgage more than a few weeks. The ultimate owner of the mortgage may not be the company who handles the administration of the loan.

I just got a 2.375% fixed 15 year mortgage and it was sold within a month. My son's rate was 2.5% for the same package. I applied about a month after him.

Re: Mortgage company [Re: Matt28] #6960058
08/10/20 01:49 PM
08/10/20 01:49 PM
Joined: Sep 2011
Posts: 2,305
sometimes PA sometimes ME
E
ebsurveyor Offline
trapper
ebsurveyor  Offline
trapper
E

Joined: Sep 2011
Posts: 2,305
sometimes PA sometimes ME
Do your homework and compare apples to apples. Interest rate doesn't mean much if the closing costs are high. As for Internet lending, I did three mortgages with Quicken loans and they could not have been better. Two times they sent an agent for closing and one times they just overnight-ed the paperwork. If you are inexperienced you might want an attorney.

Re: Mortgage company [Re: ebsurveyor] #6960064
08/10/20 01:58 PM
08/10/20 01:58 PM
Joined: Nov 2013
Posts: 2,774
Oklahoma
M
Matt28 Offline OP
trapper
Matt28  Offline OP
trapper
M

Joined: Nov 2013
Posts: 2,774
Oklahoma
Originally Posted by ebsurveyor
Do your homework and compare apples to apples. Interest rate doesn't mean much if the closing costs are high. As for Internet lending, I did three mortgages with Quicken loans and they could not have been better. Two times they sent an agent for closing and one times they just overnight-ed the paperwork. If you are inexperienced you might want an attorney.

Well Quicken loans was one i was wondering about. I am inexperienced about this type of thing. A lawyer might be best but would suck to have to pay them on top of the closing costs. My bank just rolled it all in to one when I closed so I had no out of pocket money.

Last edited by Matt28; 08/10/20 01:59 PM.
Re: Mortgage company [Re: Matt28] #6960077
08/10/20 02:17 PM
08/10/20 02:17 PM
Joined: Feb 2018
Posts: 793
Norborne MO
B
BBarnes Offline
trapper
BBarnes  Offline
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B

Joined: Feb 2018
Posts: 793
Norborne MO
DO NOT use Ocwen!!!

Terrible mortgage company.

Re: Mortgage company [Re: Matt28] #6960084
08/10/20 02:33 PM
08/10/20 02:33 PM
Joined: Jan 2008
Posts: 6,215
Alaska and Washington State
W
waggler Offline
trapper
waggler  Offline
trapper
W

Joined: Jan 2008
Posts: 6,215
Alaska and Washington State
Whatever you do don't use Nationwide or any of their affiliates such as Mr Cooper. They are an absolute nightmare to deal with, don't even get me started.


"I'm not skilled to understand"
Re: Mortgage company [Re: Matt28] #6960110
08/10/20 03:09 PM
08/10/20 03:09 PM
Joined: Nov 2013
Posts: 2,774
Oklahoma
M
Matt28 Offline OP
trapper
Matt28  Offline OP
trapper
M

Joined: Nov 2013
Posts: 2,774
Oklahoma
Thanks everyone for the advice. I called the local Federal credit union and they said they would help me get the paperwork going. Not the best interest rate but, That credit union has had my business for about 10 years now and have always did me great. I asked them if the company they use was honest and they said they are good to deal with and that if I had any problems they would get it straight out so guess i will give it a try.

Re: Mortgage company [Re: Matt28] #6960112
08/10/20 03:17 PM
08/10/20 03:17 PM

C
Cysquatch
Unregistered
Cysquatch
Unregistered
C



Originally Posted by Matt28
Thanks everyone for the advice. I called the local Federal credit union and they said they would help me get the paperwork going. Not the best interest rate but, That credit union has had my business for about 10 years now and have always did me great. I asked them if the company they use was honest and they said they are good to deal with and that if I had any problems they would get it straight out so guess i will give it a try.


Good call. Hope it works out!

Re: Mortgage company [Re: ] #6960133
08/10/20 03:52 PM
08/10/20 03:52 PM
Joined: Nov 2013
Posts: 2,774
Oklahoma
M
Matt28 Offline OP
trapper
Matt28  Offline OP
trapper
M

Joined: Nov 2013
Posts: 2,774
Oklahoma
Originally Posted by Cysquatch
Originally Posted by Matt28
Thanks everyone for the advice. I called the local Federal credit union and they said they would help me get the paperwork going. Not the best interest rate but, That credit union has had my business for about 10 years now and have always did me great. I asked them if the company they use was honest and they said they are good to deal with and that if I had any problems they would get it straight out so guess i will give it a try.


Good call. Hope it works out!

Thanks, me too.

Re: Mortgage company [Re: Matt28] #6960158
08/10/20 04:23 PM
08/10/20 04:23 PM
Joined: Aug 2019
Posts: 249
Michigan
D
Duckie1 Offline
trapper
Duckie1  Offline
trapper
D

Joined: Aug 2019
Posts: 249
Michigan
I had Chase and when the interest rates dropped they said they could not do any better than the rates I already had at 5%. Tried my credit union they went to 2.5% with very little in costs.

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