with a middle fico score of 595, now my middle score is 621....is it possible to ask for a better interest rate b4 i close in a few days ?
also my closing costs r $4500, would that drop w/a better score ? thanks
2006-08-27 12:18:15 · 4 answers · asked by ashmac 2 in Business & Finance ➔ Advertising & Marketing
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2006-08-29 13:27:27 · answer #1 · answered by Anonymous · 0⤊ 0⤋
YES! Do not close with the current rate you have. Tell them what you want, don't be afraid. You have to live with this loan. Demand the service you deserve. Those closing costs sound reasonable, ask for a good faith estimate to make sure that is all there is to it and there are no hidden costs though.Closing costs dont really have much to do with your cerdit score though, the escrow, title, taxes are pretty much the same. The only thing that may be lower is the pre-paid interest which should be lower with a change of interest rate.
2006-08-27 17:04:16 · answer #2 · answered by jazzyQ 1 · 0⤊ 0⤋
with that score, you would get a better rate but you would have to redo the app all over usually. Your rate was locked in when you applied. As your loan officer though and see if something can be done.
2006-08-27 12:24:16 · answer #3 · answered by Michelle 4 · 0⤊ 0⤋
How would we know? Ask your loan officer!
2006-08-27 12:24:45 · answer #4 · answered by rscanner 6 · 0⤊ 0⤋