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Looking to help a friend refinance a high balance mortgage at $550K 80% LTV in a county that goes up to $625K. Time horizon is about ten years before property is sold. May need non-occupying owner to sign the note also to get DTI ratios acceptable. Current note is presently in the non-occupying owner's name (brother of home occupant).
I'm looking at PenFed and NFCU so far.
PenFed offers a 5/5 at 2.875% and no origination fees with a 2% cap on adjustment and 43% DTI only needing a 680+ FICO score, however, all borrowers must reside in the house.
I don't know as much about the NFCU rates, so far it appears they offer a 5/5 at 2.5% and 0.25% origination fee but the rate varies with your FICO score, still getting more info on this one.
Other Credit Unions to consider? What about USAA, how good are their mortgage rates?
By Ummmmm ...
I was approved in January for Navy's Cash Rewards card.
At that time, their website advertised a rebate.
The rebate involved spending a certain amount within 90 days, and receiving a rebate of $200.
I called Navy this afternoon to be sure I qualify to receive this rebate.
The representative says that my card does not have on record a five digit code that I would have had to give them when I opened the card, to take advantage of the rebate.
I know there are a lot of NFCUers out there -- anyone taking advantage of this rebate and if so, can anyone lend a hand with the five digit code?
My 350th Post!!
Final step for the DW for 2014. Approved for $13K on their 11.99% Diamond Preferred, HP on EQ.
Exp : 789
TU : 798
Eq : 806
Over the last fourteen day app spree, she's scored:
AMEX EDC - $9,400 to $28,200
NFCU Flagship - $10,000
NASA Visa - $13,000
BECU - $25,000
BOA - $8,200 > $16,400
USAA - $16,000
Citi - $13,000
For a total of $104,000 in new credit!
She did apply for a second NFCU card, that's still under review.
Off to the garden till next year for some CLI requests. (I know, a lot of GIF's, just celebratin' a little , ok, a lot! )