Darren Miller

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Darren Miller, in CA (Licenced in 50 States)
  • 97 Answers
  • 5 Best Answers
  • 36 First Answers
  • 29 Useful Answers
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About Me
News:
Weekly Market News

Amerisave:
Ameriave.com
Amerisave in the News
Amerisave Licencing
Apply To Get PreQualified Instantly
Home Equity Loans

Mortgage Basics:
Loan Pricing and Points
Closing Costs and Fees
Understanding Your Credit
Useful Tips
Additional Resources

Home Purchase Calculators:
What is the maximum home price I can afford?
How much home can I afford at a monthly payment of $X?
How much will my mortgage payments be?
How much can I save in taxes?
Am I better off renting?
Which loan term is better?

Mortgage Refinance Calculators:
Should I refinance?
Should I consolidate my debts?
How much will my mortgage payments be?
Which loan term is better?
How advantageous are extra payments?

Home Equity Calculators:
How large a line of credit can I obtain?
Should I consolidate my debts?
How much can I save in taxes?

Home Purchase Loans:
Getting Pre-Approved
Finding Your New Home
Useful Tips
Additional Resources

Mortgage Refinancing:
Lower Monthly Payment
Take Cash Out
Debt Consolidation
Additional Resources

Home Equity Loans:
Home Equity Loan Basics
Equity Line of Credit Vs. Home Equity Loan
Eligibility Criteria

MLS For: Sacramento, Placer, El Dorado, Yolo, San Joaquin and Stanislaus Counties
My Q&A View all >>
Darren Miller's Questions (5)
Darren Miller's Answers (97)
Jp, Home Buyer in Sacramento

What is the average fee I should expect from a mortgage broker?

Asked Fri Jun 13 2008, 07:14 by Jp  -  Sacramento  -  Home Buying  -  6 answers
Darren Miller answered:
Hi JP, I would not pay over a point to a broker. With regards to what Elizabeth said, PAR actually means what the broker gets the rate for (at PAR) meaning thats their wholesale rate without any points buying the rate down. They also hammer you with junk fee's, so you have to take that into consideration. - Fri Jun 13 2008, 18:02
Nadya, Home Buyer in Laurel

i need to clean up my credit, any good agencies i can use in assisting me?

Asked Tue Jun 10 2008, 18:40 by Nadya  -  All locations  -  Financing  -  1 answer
Darren Miller answered:
Nadya, I've always referred my clients to Lexington Law and I've seen vast improvements. I also had one of my former co-workers in the mortgage business use them as well and they loved it. There are 2 programs you can choose from:

Monthly program: http://www.lexingtonfs.com/
One time program: http://www.lexscore.com/

They are only available to clients of mortgage bankers or brokers. You can use my banker ID: 10825 to receive more info.

It's pretty painstaking to try and clean up your credit yourself. I suggest hiring a trusted firm to help you through the long and tedious process. - Tue Jun 10 2008, 18:59
L Costello, Home Buyer in El Dorado Hills

We had a federal payroll tax lien against our former home. When we sold the home and purchased a new home,?

Asked Fri May 16 2008, 14:11 by L Costello  -  El Dorado Hills  -  Home Selling  -  3 answers
Darren Miller answered:
Hi Larry,

I'm quite familiar with your situation. This happens quite often in the settlement business, believe it or not. Grab your final HUD from the sale of your property and contact me if you would like to discuss further. - Fri May 16 2008, 18:02
Clarissa, Just Looking in Dinuba

i want to purchase a home but i dont think i could afford it

Asked Sun Mar 30 2008, 12:06 by Clarissa  -  93618  -  Financing  -  2 answers
Darren Miller answered:
Clarissa, You need to provide more information... What is your income, what kind of a home are you looking for, how does your credit look, etc.? - Tue Apr 1 2008, 09:28
Deb, Home Buyer in Leesburg

what is the standard for lenders when using fico scores, using an avg of a couple, using the lower of the?

Asked Sun Mar 30 2008, 08:49 by Deb  -  All locations  -  Financing  -  1 answer
Darren Miller answered:
Deb, they use the lowest mid FICO of the couple.

Example:
Your Scores: 720, 733, 747 (Mid FICO = 733)
Husband Scores: 680, 659, 697 (Mid FICO = 659)

In this example they will use the husbands 659 score because it's the lowest of 2 mid scores. - Tue Apr 1 2008, 09:21
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