You think your Mortgage Company has your best interests at heart! Right?
It appears that EVERY company you do any business with has another agenda!
THEY SELL YOUR INFORMATION TO EVERYONE!
I got an official-looking letter in the mail today telling me that I have $2682.64 available funds. They had a very official File Number and I needed to have my file ID ready to call to take advantage of TFSBpPrograms.com.
When I called the "gentleman," I very formally asked for file No. which I gave to him. The interest rate he quoted as no sufficiently lower than what I have, as we bought the rate down a tiny amount for a lot of $$$.
I tried to ask more questions, and finally, he admitted that the "refund" that I would get was my escrow account with Rocket Mortgage. Thanks a lot for selling my info to every Tom, Dick, and Harry!
They would re-fi and establish a new escrow account, and He hedged a bit and
admitted there would be recording fees. I asked the big question: What will the total cost to me be for all this wonderful money?
At this point, I asked specifically for the total dollar amount this windfall would cost me and revealed that I had been a realtor for 30 years, and he hung up!
If you get one of these letters, do what I am doing with mine and file it in the circular file called, "Sorry Sucker, keep trying."
Interest hasn't dipped even a small percentage point and won't for a while. You need at least 1 percent point to justify a re-fi. 2 percent would be better! The big Corporations need time to milk us as dry as they can before it goes down for you and me.
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