You need to go to a direct lender and not an internet site. Try the institution you bank with first and then go to someone like Ohio Savings Bank. If your credit score is what you say it is and you are buying a property as an end user, the property has the proper amount of equity in it and it doesn't have any major structural issues, you should be able to get this rate to come down. Of course this is just a general overview of what your options are based on the info. you provided.
real estate professional
miami, fl 33154
I suggest you call Josh Groeschel, Mortgage Advisor, Coldwell Banker Home Loans. 941.465.7666. E-mail: Josh.Groeschel@mortgagefamily.com. Or you can call Coldwell Banker Home Loans at: 1-888-240-7078 and get a same-day loan decision that's a Pre-Approval and they guarantee you will close on time.
Coldwell Banker Home Loans has the experience you need and a reputation you can trust. Good Luck and let me know how it works out for you!
Laura E. McGeary, PA
Coldwell Banker Residential Real Estate LLC
6016 Manatee Ave W, Bradenton FL 34209