01-14-2021, 09:24
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#1
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Quiet Professional
Join Date: Jan 2004
Location: Tampa
Posts: 2,496
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VA Loans / Refinance...
Not a solicitation, but a recommendation based on my near 20 yrs experience with my mortgage guy Jeff Smith, previously with National Bank of Kansas City.
I now have had SIX  loans through Jeff ... he is up and running with a new company:
United Fidelity Funding
Same incredible service he has always provided...his focus is VA and Veteran lending and Re-Fi. He did my Re-Fi last year down to 2.75% fixed, no fees rolled in, skipped 2 payments, PLUS got my escrow back in the form of a check. I think rates are even lower now!
I HIGHLY recommend him if you (or family / friends) need a quality mortgage guy. I've worked with him for 20yrs for my loans - ALWAYS top notch.
Jeff Smith
jsmith@uffmortgage.com
913-449-7364 (cell)
I recommend him without reservation. Give him a shout - he may be able to save you some serious money.
When you get consistent personal service for near two decades - it's a good bet to share, especially with the maze of mortgages and Re-Fi.
__________________
Primum non Nocere
"I have hung out in dangerous places a lot over the years, from combat zones to biker bars, and it is the weak, the unaware, or those looking for it, that usually find trouble.
Ain't no one getting out of this world alive. All you can do is try to have some choice in the way you go. Prepare yourself (and your affairs), and when your number is up, die on your feet fighting rather than on your knees. And make the SOBs pay dearly."
The Reaper-3 Sep 04
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Eagle5US is offline
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01-14-2021, 09:29
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#2
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Quiet Professional
Join Date: Jun 2007
Location: Hope Mills, NC
Posts: 2,759
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Hmm, thanks..the wife and I were contemplating a refi. We just really didn't know where/who to start off with. Other than our bacnk...but I may look into this..
We'll see.. We're at 3.75 now. I'd really like to go to a 10 yr, our last refi was for 15.
__________________
Out of all the places I've been, this is one of'em....
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glebo is offline
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01-14-2021, 18:38
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#3
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Quiet Professional
Join Date: Dec 2011
Location: Denver, CO
Posts: 440
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I used Freedom Mortgage for a 2.25% refi, no points and no fees. And just an interesting FYI, 2.25% is the first rate where you actually pay more principal than interest even on the frontend of a 30 yr note.
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CW3SF is offline
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01-14-2021, 18:47
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#4
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Quiet Professional
Join Date: Jan 2006
Location: N.E.WA
Posts: 1,137
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Quote:
Originally Posted by CW3SF
I used Freedom Mortgage for a 2.25% refi, no points and no fees. And just an interesting FYI, 2.25% is the first rate where you actually pay more principal than interest even on the frontend of a 30 yr note.
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When did you do this Brother?
__________________
"Most of us here can attest that we never took the easy way. Easy just is............easy. Life is a work in progress, and most of the time its a struggle." ~ Me
"Every normal man must be tempted at times to spit upon his hands, hoist the black flag, and begin slitting throats." -Henry Louis Mencken (1880-1956)
"A Government that is losing to an insurgency is not being outfought, it is being out governed." Bernard B. Fall
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LongWire is offline
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01-14-2021, 18:48
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#5
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Area Commander
Join Date: Jan 2011
Location: Western WI
Posts: 6,824
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That's good information for folks in that position. Nice to have folks that render that kind of service in the current world of "the actual bank with your note is likely to change 8 times over 20 years."
The Ramen were worth it but banging on the principal more than less and owning one's roof pre-retirement is so bitchin' I can't even describe it.
__________________
"Civil Wars don't start when a few guys hunt down a specific bastard. Civil Wars start when many guys hunt down the nearest bastards."
The coin paid to enforce words on parchment is blood; tyrants will not be stopped with anything less dear. - QP Peregrino
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Badger52 is offline
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01-14-2021, 19:10
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#6
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Quiet Professional
Join Date: Jan 2004
Location: Tampa
Posts: 2,496
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I don’t know what the rates currently are-
But I am certain Jeff can get the lowest avail for those who qualify.
He is good people, not “just a bank”...
__________________
Primum non Nocere
"I have hung out in dangerous places a lot over the years, from combat zones to biker bars, and it is the weak, the unaware, or those looking for it, that usually find trouble.
Ain't no one getting out of this world alive. All you can do is try to have some choice in the way you go. Prepare yourself (and your affairs), and when your number is up, die on your feet fighting rather than on your knees. And make the SOBs pay dearly."
The Reaper-3 Sep 04
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Eagle5US is offline
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01-14-2021, 19:48
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#7
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Area Commander
Join Date: Oct 2007
Posts: 3,462
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So timely, we have been in the market with extreme conditions to satisfy, finance the #1 concern. Thank you, we will be calling your reference. THX, d
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Penn is offline
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01-14-2021, 20:02
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#8
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Quiet Professional
Join Date: Jan 2004
Location: Tampa
Posts: 2,496
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Quote:
Originally Posted by Penn
So timely, we have been in the market with extreme conditions to satisfy, finance the #1 concern. Thank you, we will be calling your reference. THX, d
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Wonderful to hear. Hope he can help out!
BTW-
Still remember the AMAZING dinner in TN!
Stay well-
__________________
Primum non Nocere
"I have hung out in dangerous places a lot over the years, from combat zones to biker bars, and it is the weak, the unaware, or those looking for it, that usually find trouble.
Ain't no one getting out of this world alive. All you can do is try to have some choice in the way you go. Prepare yourself (and your affairs), and when your number is up, die on your feet fighting rather than on your knees. And make the SOBs pay dearly."
The Reaper-3 Sep 04
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Eagle5US is offline
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01-14-2021, 20:26
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#9
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Area Commander
Join Date: Oct 2007
Posts: 3,462
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Let's do another in the near future. There's a couple of other Brother's that are in touch in that AO. All we need is heat and libations.
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Penn is offline
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01-14-2021, 20:50
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#10
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Quiet Professional
Join Date: Jan 2004
Location: Tampa
Posts: 2,496
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Plenty of both my friend👍
__________________
Primum non Nocere
"I have hung out in dangerous places a lot over the years, from combat zones to biker bars, and it is the weak, the unaware, or those looking for it, that usually find trouble.
Ain't no one getting out of this world alive. All you can do is try to have some choice in the way you go. Prepare yourself (and your affairs), and when your number is up, die on your feet fighting rather than on your knees. And make the SOBs pay dearly."
The Reaper-3 Sep 04
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Eagle5US is offline
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04-01-2021, 09:02
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#11
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Quiet Professional
Join Date: Sep 2008
Location: Ohio
Posts: 286
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jeff
Thanks for the recommendation on Jeff's service. I refinanced through him last month. Great service and knows his shit. I called him and 3 others, including USAA and he was on it.
__________________
Men have always differed in their capacity to stomach risk. Many shun it, preferring to live circumscribed lives. Others rise to the circumstances when community or country comes calling, shedding day-to-day identifies as shopkeepers, scholars, or farmers to stare down the cannon’s mouth. A very few seek out danger as a matter of course. John F. Ross
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JoeyB is offline
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04-05-2021, 06:42
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#12
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SF Candidate
Join Date: Aug 2009
Location: Wherever the wind takes me.
Posts: 134
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For those who are looking for a resource on this:
http://www.mortgagenewsdaily.com/mortgage_rates/
This daily survey provides a rate spread of where mortgages are being executed.
Last year I was able to get a 2.75% with a little over a point in a credit back to me on a cash out refi. Used the proceeds to build a pool and I'm already back to 20% equity on my loan a year later. (only have had the home for 4 years total)
Pay attention to the cost to the lender (points). Smaller private lenders generally are better than big box lenders. I used a local guy that I've done 4 loans with, and USAA, New Day, and Veterans United could not touch the deal. Sure they could get a lower rate (I believe 2.25 was on the table back then), but the cost would have outweighed the benefit. It's not all about rate...
__________________
QUINTUS: People should know when they're conquered.
MAXIMUS: Would you Quintus? Would I?
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Costa is offline
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04-05-2021, 09:49
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#13
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Area Commander
Join Date: Jan 2011
Location: Western WI
Posts: 6,824
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Quote:
Originally Posted by Costa
Pay attention to the cost to the lender (points). Smaller private lenders generally are better than big box lenders.
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Not certain if germaine to this particular lender, but we found a long time ago that smaller and/or local was the way to go due to much less likelihood that the latest pirate would come along, buy the company, sell off the notes to be managed from Zagreb and the individual customer be damned. For us, in this area, "less" has been more.
__________________
"Civil Wars don't start when a few guys hunt down a specific bastard. Civil Wars start when many guys hunt down the nearest bastards."
The coin paid to enforce words on parchment is blood; tyrants will not be stopped with anything less dear. - QP Peregrino
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Badger52 is offline
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