All Hokie, All the Time. Period. Presented by 
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For those of you who have refinanced with your current lender, a question -- Late 80s Hokie 03/05/2020 6:44PM
Appraisal requirement on a refi is generally ruled by Fannie/Freddie not -- HokieJamie 03/05/2020 8:23PM Yep, my appraisal was waived due to Fannie accepting the value presented ** -- BRVT 03/06/2020 08:16AM Exactly -- MrBayAreaHokie 03/06/2020 12:34AM ^^^listen to this man. He knows what he’s talking about. ** -- CPRVHokie 03/05/2020 8:25PM Title insurance is based on loan to value. Mortgage survey should be requir -- 48zip 03/05/2020 8:10PM A survey is rarely if ever required on a refinance. ** -- CPRVHokie 03/05/2020 8:22PM I know, but it should be for the reasons I stated (Why I said "should be") -- 48zip 03/06/2020 08:02AM If you straight refinance with same lender you don’t pay recording fees and -- CPRVHokie 03/05/2020 7:41PM Cap Center has great rates, no closing costs, and easy process ** -- TabbHokie 03/05/2020 7:11PM Yeah no closing costs ....baloney. They're in there somewhere ** -- HokieJamie 03/05/2020 8:21PM They’re built into the rate or points. I mean, I can do a mortgage that -- CPRVHokie 03/05/2020 8:24PM Dude. Its like lucy with the conveyor belt of chocolate ** -- HokieJamie 03/05/2020 9:53PM LOL. Hang in there. And for the love of god don’t believe loan officers. -- CPRVHokie 03/05/2020 9:58PM They have closing costs. Mortgages are a commodity and they don’t have a -- CPRVHokie 03/05/2020 7:43PM No, you literally pay them zero money. -- MP4VT2004 03/05/2020 8:26PM OK. Whatever makes you feel better. ** -- CPRVHokie 03/05/2020 8:28PM I refi’d 7-8 years ago, and got $ back after closing -- TabbHokie 03/06/2020 4:23PM Has nothing to do with how I feel. I got the best rate I could find... -- MP4VT2004 03/05/2020 8:29PM Exactly what I did. Mortgage will be sold, but no issue there. Loan officer -- TabbHokie 03/06/2020 4:26PM Yeah 3.5 is still better than the 4.25 I was paying -- HokieForever 03/05/2020 8:40PM MORTGAGE COMPANIES DONT KEEP LOANS ON THEIR BOOKS. -- CPRVHokie 03/05/2020 8:58PM Yep ** -- pfishe 03/06/2020 07:10AM Refinancing no closing costs -- HokieForever 03/05/2020 8:25PM When mortgage companies close a loan, their balance sheet goes down. -- CPRVHokie 03/05/2020 8:27PM Oh they definitely selling it they always do -- HokieForever 03/05/2020 8:38PM The lack of knowledge about the mortgage market is stunning. -- CPRVHokie 03/05/2020 8:56PM Yes understood, they bought -- HokieForever 03/05/2020 9:25PM Well, if being right and pointing out that what you posted is irrelevant is -- CPRVHokie 03/05/2020 9:40PM I posted that I have no closing costs -- HokieForever 03/05/2020 9:59PM Many federal loan guidelines as well as state, require -- PhotoHokieNC 03/05/2020 6:52PM
