Are you satisfied?

TIA! :hi

Countrywide. I LOVE them.

We got a VA loan through Chase. Havent had any problems.

Chevy Chase. HATE THEM! Never again!

Ours is through a local company and they will sell it to a national company but we won't know what company until later.

We have our mortgage through USAA. We like them.

We plan to use USAA:yes

we plan to use USAA also

We have one through Countrywide, and another house through Wells Fargo...

The only issue that we have is our property taxes on one keep going up, and up, and up.. But that's not an issue with the lender.. they both are fine, our rates are both under 6%, and I suppose that's all that matters..

How do you like Wells Fargo, Lindsay? That's another company we are looking at because we have a car loan through them and they participate in some of the CA first-time homebuyers programs....

How do you like Wells Fargo, Lindsay? That's another company we are looking at because we have a car loan through them and they participate in some of the CA first-time homebuyers programs....

I got a mortgage through the FHA program sponsored by Wells Fargo.. I like them because they are a stable bank, and they won't sell my mortgage off to another company, they will keep me as a customer. I've had mortgages where I've been sold off without knowing, and I don't like that..

I'm sure there's nothing WRONG financially with having my lender sell my loan, but I don't like it... :suspect

I refied the FHA loans ASAP, because of the interest rate (usually 6-7%...) They are great loans if you don't have a down payment, but the PMI cost me about $150 a month.. You can write off part of your PMI now on taxes, but not all..

FHA is great, but I'd get out from under it as soon as I could if I was you, because they cost alot of extra money in interest and insurance.. Make extra principal payments or something.. :yes

we're planning on using USAA but might try Stockman Bank just to compare.

We used Wells Fargo and never had any problems

i highly recommend fha programs. we did ours through guild motgage. love them

We have our home loan through Navy Federal.

Ummm, I think VA through Suntrust. we just got it so I have no clue if we like them or not yet.:giggle

We have CountryWide. We've never had a problem.

Can't remember who we started with - but twice our loan was sold off and now we're with Litton Loan - and they SUCK and wed're constantly butting heads iwth them over them NOT accepting our payments or applying them properly- and then reporting it to our credit eventhough it's always their fk up.

i highly recommend fha programs. we did ours through guild motgage. love them

Can I ask out of curiosity why you didn't use CountryWide? Was it just a better rate?

Thanks for your input, everyone! :hi

Navy Federal.. there great.

We went through USAA. Very easy and grate rates.

Thanks for your input everyone! :hi

We are looking at Wells Fargo, USAA and

I would prefer to do USAA just because I love them, we already have so many accounts with them, etc. But they don't do FHA loans and there is a lot of assistance the state of CA offers. So we are looking at a few banks. I appreciate the input, it definitely helps!

:thankyou

Can I ask out of curiosity why you didn't use CountryWide? Was it just a better rate?

Thanks for your input, everyone! :hi

I THINK FHA loans are all the same rate no matter who you go through. Fanny Mae, Fredie Mac, I think they are all the same...

But with the crash in Cali last week, I have NO IDEA if any changes have been made...

Have you been looking at houses???? Do you have anything in mind?? I'd love to see what you picked out.. :yes

I THINK FHA loans are all the same rate no matter who you go through. Fanny Mae, Fredie Mac, I think they are all the same...

But with the crash in Cali last week, I have NO IDEA if any changes have been made...

Have you been looking at houses???? Do you have anything in mind?? I'd love to see what you picked out.. :yes

Our real estate agent hinted that interest rates were going to go down with a couple months... that could be why!

We are looking at a few houses, but they are beyond our budget with the hopes that we can finagle the price b/c they are foreclosures...

We are trying to get another pre-approval for an FHA loan too including down payment assistance to see what those numbers look like.

It's an overwhelming process! :freakout But it's awesome, because we can literally get twice the amount of house we could from when we looked a year ago! :shock :eek :woot

Our real estate agent hinted that interest rates were going to go down with a couple months... that could be why!

We are looking at a few houses, but they are beyond our budget with the hopes that we can finagle the price b/c they are foreclosures...

We are trying to get another pre-approval for an FHA loan too including down payment assistance to see what those numbers look like.

It's an overwhelming process! :freakout But it's awesome, because we can literally get twice the amount of house we could from when we looked a year ago! :shock :eek :woot

Bid LOW, but bid on them anyways.. Right now, people want to dump their houses, and they'll take anything.... Throw bids down if you like the house!!! They might take them!!!

When you fill out a purchase agreement, bid that bastard down, start as low as you can without sounding like a....:censored..... Pick out every little friggin anal thing WRONG with the house you possibly can... Scratched trim, peeling paint on a window, lumpy carpet... EVERYTHING...and put it on the purchase agreement...

I got 2 grand knocked off a house once because it had a garbage disposal, and only one septic tank.. (manufacturers recommend 2 tanks if you have a disposal..) It costs a grand to put in a new tank, but I asked for 2Gs, and got it..:five

If I was you, I'd start at 20 grand below asking price..:lol All they can do is say no.... Shoot for the moon and the stars, the worst they can do is laugh at you.. :haha

Bid LOW, but bid on them anyways.. Right now, people want to dump their houses, and they'll take anything.... Throw bids down if you like the house!!! They might take them!!!

When you fill out a purchase agreement, bid that bastard down, start as low as you can without sounding like a....:censored..... Pick out every little friggin anal thing WRONG with the house you possibly can... Scratched trim, peeling paint on a window, lumpy carpet... EVERYTHING...and put it on the purchase agreement...

I got 2 grand knocked off a house once because it had a garbage disposal, and only one septic tank.. (manufacturers recommend 2 tanks if you have a disposal..) It costs a grand to put in a new tank, but I asked for 2Gs, and got it..:five

If I was you, I'd start at 20 grand below asking price..:lol All they can do is say no.... Shoot for the moon and the stars, the worst they can do is laugh at you.. :haha

Wow, thanks for the advice. At this point, we have nothing to lose except for paying for this asshole's mortgage for the house we are renting. 1800 bucks down the shitter each month! :eek That could build a lot of equity in a house!

So we are thinking about what you suggested, once we get the finances set up, put in offers for about 10 foreclosures we like, and totally low ball them and hope a few come back without thinking we're crazy or dickheads or both....

The mortgage on our rental house is thru GMAC Mortgage - Love them.

The mortgage on our house was thru Pulaski bank and they sold it to Countrywide. Haven't had any issues with them at all yet.

We started out with Washington Mutual but then they sold our account to Wells Fargo. We were not happy with the customer service with WM but have bene quite happy with WF for the most part!

USAA and I love them. They've never sold my mortgage, which makes it easier to deal with!

Wow, thanks for the advice. At this point, we have nothing to lose except for paying for this asshole's mortgage for the house we are renting. 1800 bucks down the shitter each month! :eek That could build a lot of equity in a house!

So we are thinking about what you suggested, once we get the finances set up, put in offers for about 10 foreclosures we like, and totally low ball them and hope a few come back without thinking we're crazy or dickheads or both....

I am reading through all of these threads and feeling like shit for what we pay in rent. :rofl
Oh well, you do the best you can and learn, right?

Where in the county are you guys considering?