Refinance Loans
Welcome to Lend4less.com
Lots of reasons to refi. In thousands of talks I have had with borrowers over the decades, lowering their current rate and monthly mortgage payment is typically the #1 reason to refi, followed closely by getting some cash out from the refi to do lots of different things. Whatever the refi reason, all are looking for the best deal with the least amount of hassle. And that's my specialty--super low rates with a low hassle experience!
Below are some refi tips to help you decide what's best for you--and I'm always a text, call or email away to answer any questions you have.
Current market rates
My rates are typically lower than these average rates listed below by .25% or more
Mortgage broker rates are almost always the lowest of all the lender types!
All mortgage money comes from the same secondary market --so mortgage brokers and big lenders get their funds at basically the same wholesale cost. What determines a lender's retail price (rate and fee combo) to you the consumer, is the coast of their overhead. Big banks and big nationwide lenders have huge marketing budgets as well as expensive offices and high priced management.
The only way for these banks and big lenders to make a profit with these expenses is to charge you more!