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Money and Finances
Reply to "Refinancing ?s--Credit Union v. Big Bank"
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[quote=Anonymous]Definately shop around, with you FICO score 800, coupled w/what you owe there is now reason you shouldn't be able to refi into a low rate someting like 2.4%... most credit unions (but not all) work through the Credit Union Mortgage Asssociation and I've never been impressed with their IR's....as a PP suggested try PenFed or Navy CU, then research Cardinal Bank and Atlantic Mortgage Capital who are always offering competitive rates....A thought, as tempting as a 15-year fixed is you might look at 30-year fixed but pay it out as a 15-year, yes the IR will be higher but not much given your FICO plus what you owe. The logic in this is that your not locked into paying the set amount of the 15-year....then again, they savvy way you'e managed your $ you probably could afford whatever the 15-year fixed comes out to. [/quote]
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