SHOP, SHOP, SHOP-until you find a deal that convinces YOU it is the best. Remember there’s more to it than just the rate.

1. Get a copy of your credit report and correct any errors.

2. Do what you can to get your score up-even 30-40 pts makes a difference.

3. Then shop til you drop for the best deal. On line lenders can save you a lot of time.

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you need a new “lender”
pick up the phone and start calling..and ask people who they use………i go to Bank of America..and “no problem”
I heard “citybank” is aggressively seeking new accounts..
shop around……and ask…..
i currently have 5.1% locked in with Bank of America and ready to buy as well..
good luck..

If you are in Georgia, contact me! I can help you out. Otherwise, you have to need to call a mortgage broker in your state so they can shop around for you and give you the best rate. And not everyone has to pull your credit.