OT - mortgage ?? what's better ??, banker, broker, bank, credit union Options

[machina]

says it in the title,

refinancing but does it matter if you go with a mortgage banker, broker, bank, savings and loan, credit union?

any advice?

[rhodyguy]

had an existing 15 with about 9 1/2 years left on the mortage at wells fargo. in early dec they offered us a new 10 @ 5% fixed with 0 out of pocket. no appraisal, no points, no title search, no mortage ins, flood ins, nada, zip. we shaved roughly $225 a month while only picking up a few more payments. my bank offers free notary services to customers. my pal attorney's partner gave the paper work the look over for me pruning an apple tree. the wife came in at 824 and me at 817 on the aggregate score on the credit check, so that must have helped out. took zero out of the equity. w.f. asked us "how much would you like to have?".

kevin