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i used homerarica i believe. ACES! the guys were former pba delegates. I was really skeptical at first. they were a broker and i heard banks are better. The best rate i saw was bethpage credit union at 3.8. They got me 3.625 with no pts. Thus was in 2012 tho when the rates were low. I believe the guys i used left though.

Hello ALL, I am MIKE that worked at Homerica at that time. I am a retired long time delegate from the 46 pct. I have left Homerica and OPENED up my own company. I am now known as Mortgage MIKE and I am still taking care of all members of the service with the best deals and SERVICE. I can be reached at 914 336-2722 or mortgagemike@certuscapital.com. I offer discounts on mortgage related services and I am available days, nights and weekends. It is not Homerica that offered those great deals and services, it was me taking care of my clients as we are family. I appreciate the kind words from sgt2be and blue collar and it is the same person{ME} that worked with both of them, call to touch base and say hello. Thanks MORTGAGE MIKE MULQUEEN

Hey Noll0317, this is Mortgage Mike. Closing costs are approximately 3% of the purchase price on a conventional loan and a little more on a FHA loan. NOTHING is free as your instincts are telling you. There are programs out there that you dont have to pay closing costs BUT you pay a much higher interest rate, as the higher interest rate covers the closing costs and will cost you A LOT more over the course of your loan. There are also sellers concession's that allow you to build in your closing costs INTO your mortgage instead of paying them the day you buy your house BUT also over the long haul will cost you more also BUT if that is what it takes for you to get into your home, you might feel it is worth it. If you have any other questions, feel free to call me 914 336-2722 or email me @ mortgagemike@certuscapital. COPS taking care of COPS     MIKE

Hey Noll0317, with new construction- there are even more costs associated with buying new construction that I am sure the builder has not told you about. For example, they will want YOU to pay the builders NYC or NYS transfer taxes, filing fee, gas and or electric meters hookups and installation and they will want you to pay for their attorney ALSO. I am sure they have not mentioned any of this to you, so ask them. Call me when you need me.     MORTGAGE MIKE 914 336-2722

Hate to be a buzzkill, sounds like some good info here, but can a mod move it to the 'Anything Goes' page and off this exam's page?

Let's kill this thing go to the rant