I am planning on refinancing my car loan but I think my current mortgage payment will affect the banks decision. So my question is, when they ask what my mortgage is, should I include escrow or just principal and interest?

I have been pre-approved by a local very large bank known for their mortgages of which I am a customer. I know the lender.

Once my short sale is approved I will get my first rate & points from him. Then is it best to shop on the internet or go in person to other banks? Do credit unions or online mortgage companies offer better rates and less points than nationally known banks?
Very good suggestions. Thank you all for your ideas.

You know, instead of going to or calling banks & brokers to find out what the rate is, if it went UP today, or DOWN today, etc.

(Rate from Federal Gov’t)Also, do you think we should refinance our adjustable rate mortgage now – or – do you think with the election year coming up the rates will go down?

I’m a Mortgage Broker and I purchase internet leads so I deal with a lot of rate shoppers……?

I have been using Provident for their rates but their turn around time and service is terrible…please anyone know any good banks to work with

We’re finding really excellent mortgage rates at some online mortgage places, and they send us good faith estimates and everything. We’ve been warned however that sometimes these internet companies will get to the closing and either have changed the rate, or pile on a whole lot of unexpected closing costs. Is there any way we can check these guys out before we commit? (e.g. the one we’re looking at is Madison First Financial, aka Madrate.com
In response to the 1st answer – yes banks get away with it because you will sign anyway – or forfeit your deposit! If the extra money I’m going to have to pay is less than what I stand to lose … Anyway my question was actually where I can look up reviews, etc.