I am a house owner but i want to re-morgage?

i bought my house about 3 yr ago. i pay a heavy interest rate currently at 7.9%. i was tied down for 3yrs at this rate and now am free to change my morgage lender. how do i go about doing this? also i want to avoid any fees i may have to pay? which bank will provide me with the best rate . i would like to also add that i will only be borrowing 锟?4000 which is only half what my house is worth... please help... thanks...

I am a house owner but i want to re-morgage?bank loan

...just call lenders in the phone book and see what they%26#039;ll do. They will want to work for you.

The only thing is, interest rates have gone up quite a bit in the last three years. I really don%26#039;t know if people will beat the 7.9% by much right now...probably not enough to be worth refinancing.

I am a house owner but i want to re-morgage?

loan

The webguide http://mortgagehelp.assistance...

has highly useful info on mortgage and home financing.

You can get all your doubts clarified from the site.

Check it out. Good luck! Report It

|||Get a couple of different quotes from different lenders. With only doing a loan for half of the property value sould give you a much better interest rate. Feel free to email me for a quote. I work for Countrywide Home Loans the #1 lender in the country.

karrie_ramel@countrywide.com|||We can get you the lowest interest rate because we are an actual FDIC insured bank and we can also put an extra $40,000 in your pocket and help you save 30% on your monthly bills guaranteed. Inquire at http://wtemortgage.com|||Not sure if you%26#039;re in the US area, but here%26#039;re my thoughts.

If you bought a house at that rate 3 yrs. ago, it looks like your credit may be less than perfect. Hopefully, you%26#039;ve been current and have no lates in the 2 yrs. period.

If that%26#039;s the case and your credit scores have improved, you can shop around with the major banks, such as Washington Mutual, Bank of America, Chase, Wells Fargo, etc. Wells Fargo and Chase have been very competitive recently in regards to rates.

I doubt you can avoid fees, but it%26#039;s up to you whether you want to include the fees in your new loan or pay it off in cash. Keep in mind, the fees may actually save you money in the long run, since if you%26#039;re charged for the loan, you generally get lower rates.

Hope that helps.|||Apply online at www.surefirefinance.co.uk they will get back to you with an offer. They get the best rates (high street etc.) for good credit and can help with bad credit as well.