Asked by Re427, Virginia • Mon Feb 16, 2009
Got out of bankruptcy a year ago with a refi at 13% Payments made perfectly on time & I can afford them. Now that my credit is better, I just want to get a lower rate & some cash back. New loan offered by mortgage broker (same one I used above) is FHA $ 104,000 at 5.5 % - payoff is $81,000 & closing costs are a little over $ 9,700 !! Add in early payoff penalty from current bank, it doesn't seem worth it. Payments will be about $300 lower/month but that is not the issue. This is like 10 points correct?? Does this sound right to you?
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