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Old 06-18-2007, 09:02 PM
 
Location: Trinity Florida
7,929 posts, read 17,766,482 times
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TB pls be careful with all your inquires, as you credit score will go down everytime its pulled and the more lenders that pull it is not a good thing..dh did mortgages for 2 years.So just FYI....
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Old 06-19-2007, 02:11 PM
 
56 posts, read 203,666 times
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You should check mortgage rates daily at Compare mortgage rates, home loans, CD rates, auto loans, credit cards, mortgages and more Current rates are at 6.625 -6850 depending on bank. So 10% is extreme
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Old 06-19-2007, 02:14 PM
 
Location: Charlotte, NC
3,356 posts, read 8,868,886 times
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Quote:
Originally Posted by TBLTZ View Post
Excatly the interest would kill me. I will see what happens when I get a few other quotes.
Was wondering do you know what your credit score is?
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Old 06-19-2007, 02:59 PM
 
Location: Fort Mill, SC (Charlotte 'burb)
4,730 posts, read 17,771,335 times
Reputation: 1008
Quote:
Originally Posted by NCMOMOFTWO View Post
TB pls be careful with all your inquires, as you credit score will go down everytime its pulled and the more lenders that pull it is not a good thing..dh did mortgages for 2 years.So just FYI....

A soft credit check or inquiry will not affect your actual credit score. However, excessive inquiries will look bad to potential lenders and insurance companies. This is my area of expertise. If one or two companies check your score, you will be ok.
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Old 06-19-2007, 05:34 PM
 
414 posts, read 1,269,897 times
Reputation: 80
Quote:
Originally Posted by lovesMountains View Post
So if you have an agent why can't he/she answer your question about being able to back out of the contract? Guess I'm missing something here, sorry.
Because I can afford the mortgage at whatever rate they give me as long as its not like plus 20%. Im just laying out my options if I want to back out or not. When I ready I will bring in my buyers agent.
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Old 06-19-2007, 05:35 PM
 
414 posts, read 1,269,897 times
Reputation: 80
Quote:
Originally Posted by NCMOMOFTWO View Post
TB pls be careful with all your inquires, as you credit score will go down everytime its pulled and the more lenders that pull it is not a good thing..dh did mortgages for 2 years.So just FYI....
Thanks for the heads up
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Old 06-19-2007, 05:36 PM
 
414 posts, read 1,269,897 times
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Quote:
Originally Posted by flyingscotsman View Post
Was wondering do you know what your credit score is?
Its over 700. But they are telling me I need over 720-730.
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Old 06-19-2007, 05:38 PM
 
414 posts, read 1,269,897 times
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Quote:
Originally Posted by TBLTZ View Post
Acutally I got quoted by a 3rd party. Im waiting to here what countrywide will offer as i not gotten theres yet. I didn't lock with them. I want to see what countrywide quotes me as the last time they quoted me it was 7 months ago.
so another guy quoted me 8.5 and this is for a no-doc. Should I just accept this as a no doc or is it possible I can get a better rate for no-doc?
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Old 06-19-2007, 06:05 PM
 
Location: South Charlotte
1,435 posts, read 5,223,122 times
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Thats still high for a no doc.

Should be closer to 7 even at 100% LTV with your credit score.
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Old 06-19-2007, 11:19 PM
 
Location: Trinity Florida
7,929 posts, read 17,766,482 times
Reputation: 1992
wachovia had quoted us 7 on a no doc..that was back in the begining of may though...dh's score is 735
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