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Jose & Sylvia…, Other/Just Looking in 94565

I need to find out and receive information on how I can go about refinancing our home. We are upside down now.

Asked by Jose & Sylvia Castillo, 94565 Wed Feb 18, 2009

Our outstanding balance, is in the nieghborhood of $371,000.00, what can be done to lower our interested rate of 6.7, we have lived here for over 23 years. Thank you for your help.

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Excellent timing, Jose and Sylvia. This is one of the main issues covered by President Obama in his new Homeowner Affordability and Stability Plan. You can read all about what that mean to you on my Blog at

This will probably take a few weeks to come into effect so I would wait a little while if I were you. I think your best course then is first of all to contact your lender. If they can't or won't help you, call me before you start shopping around for a new one. I will have a lot more relevant information for you by then. The good news is that your loan is conforming so this new plan should be able to help you.


Bernard Gibbons

Bernard Gibbons, Realtor, e-PRO Certified Internet Specialist
J. Rockcliff Realtors, 15 Railroad Avenue, Danville, CA 94526
Phone (925) 997-1585
0 votes Thank Flag Link Thu Feb 19, 2009
Jose & Sylvia

The best loan officer I know of, works for Countrywide, and she is very good at what she does. Her contact info is: Mia Garcia, Cell 925 989-6151, Work 925 426-5200. She will be able to help you. When you call her, just tell her that Jerry Flynn from Old West Realty Referred you to her.

Good Luck, and have a Great Day.

Jerry Flynn
Old West Realty Inc.
0 votes Thank Flag Link Thu Feb 19, 2009
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