I work at a law firm and we do real estate and refinances. From experience, I would highly recommend going to a BANK, not a broker. Brokers charge lots of fees, making your closing costs very high.
They also use lenders that we have never heard of. Getting payoffs are very difficult if you need to refinance again. Just this week, we have gotten listserv messages stating thatseveral lenders that these brokers use are going belly-up; therefore putting people's mortgages(homes!) on the line.
I apologize if I have offended any brokers out there.
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Anggie
Fight Breast cancer……no one should die from it