Jon Shibley CEO of Lenox Financial Mortgage provides his personal market analysis based on the current mortgage crisis

For a few, the interest rate is quite insignificant that appears to vary every day. Nevertheless, if you apply for a credit card, buy a new car or apply for a mortgage, this can considerably influence the amount you are paying every month and over the tenure, or period of your loan. Right now, mortgage [...]

My husband and I bought our house in central Florida in June 2007. It was appraised at $145,000 and we had a 100% loan for $138,000. We still owe $135,000 and are current on our payments. But, we tried to refinance to get a better interest rate (currently 6.5%) and were approved by our current [...]

Apartment dwellers and homeowners with terrible or poor credit who are looking for a mortgage with 100% financing may be surprised to learn, that due to today’s more lenient lending practices, it is nearly as simple to get approved for a new home loan or to refinance your current mortgage with a poor credit rating [...]

It’s a buyer’s market when it comes to finding Alberta best mortgage rates. Since 2006, mortgages have stepped up in innovation, helping Alberta’s mortgage rates stand out. Now, Canada offers longer amortization periods ranging from 25 to 40 years. The current mortgage insurance laws have made it possible for a buyer to finance up to [...]

As you search for terrible credit mortgage loans related information or other information about credit cleanup or applying for loans with terrible credit, take your time to view the below article. It will provide you with a really refreshing insight into the terrible credit mortgage loans information that you need. After going through it you [...]

Large hike in escrow payment could be violation
Q I own a house worth approximately $400,000. The current mortgage is $25,000. A company in Florida took over the mortgage about six months ago. The mortgage company handles the tax and insurance payments through an escrow account. Given the current schedule of payments, the account will have [...]

Our current lender said in the State of Texas laws prevent us from refinancing our current mortgage until is has matured to one year. I cannot find this "law" and want to find out if anyone has any information on it. We bought the home in Dec of 2007. Our current "Note" [...]

VA Eligible/Low Debts and high income/current homeowner with no late payments on current mortgage which is nearly paid off/but 4 very ancient medical collections
So, what are my chances?

My current mortgage is through Wells Fargo. We have a local office in the town I live in but would I get lower interest rates by going to a bank and letting them sell my mortgage if they want or if I went directly to them?