TLDR: Locked in rates with aimloan with deposit. My 2nd question is, would we lose that appraisal deposit if we wanted to go to another lender? This is more of a general question. However, this may just be the cost of closing, but having done research on rates on this sub I've seen quite a few lower rates that make me think otherwise. Experience with RoundPoint/Aimloan Too good to be true Everytime I search either or individual bank sites, these 2 companies are always coming out ems like I'm missing something Also is 4.175/4.125 APR/Rate better than 4.25/4.25 Both are 0 pts. Should we shop around for rates, since they're ridiculously low? I'm still fine with 2.75%, but I'd really like to get a grand or 2 lower than those closing costs. I asked them if they could drop our locked rate or meet us in the middle, and even though the website says they can, they said they couldn't do it. I was already thinking about shopping around because that seems very high, but now I saw that their rates dropped even further to 2.625%. Read on to learn all concerning own various mortgage offers. Now, after going through the paperwork, we see that this refinance will cost us a total of $5,000, with no points. AimLoan is an standalone mortgage lender with more over 20 billion lent to borrowers because 1998. I explain this because Quicken "needed" a locked in rate to match aimloan, and in order to lock in the rate aimloan needed us to to give a $650 (I think) appraisal deposit, which we did. ![]() ![]() This means the business is, indeed, Safe. As a super high authority website that earned its reputation online a long time ago, it is no surprise that our VLDTR® tool came up with a 100 rating. So the review is short but to the point. But suddenly Quicken said they couldn't lock in rates due to corona. When it comes to the maximum rating, there is not really much to talk about. We did this to get our current lender, Quicken, to match. We initially locked in a rate with aimloan at 15 years 2.75% with 0 points a few weeks ago. I had a quick question regarding shopping around rates, and my particular question pertains to aimloan. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.Over a couple months of checking on Credible & Aimloan daily, iirc Credible usually had the best offers but occasionally for specific loan terms aimloan would do better. Aimloan lends directly so it’s a different animal and can occasionally do better. From what I’ve seen, it looks like Credible does a very good job of finding the best a broker can find. The rate my independent broker originally offered wasn’t as good, and the big banks didn’t even come close. All I know is I couldn’t find rates that matched Credible on bankrate, nerdwallet, etc. While aimloan is a direct lender and only quotes their own rates, Credible searches through multiple lenders and gives you the best rates from any of them, across a broad range of loan terms. There may be a less painful/invasive way to find the best offers, but this is the best I found.Īlso, aimloan & credible are complementary. That said, it was only maybe 2 minutes faster for me. I think the error message was just bad luck, but agreed, aimloan requires less info and it’s a little faster. This includes your residential address and. Please fill in your Know-your-customer KYC information. For verification, you should use the phone number associated with your BVN. Register with your phone number to create an account. Install the Aimloan personal app exclusively on the Google Play store. Get your financial house in order, learn how to better manage your money, and invest for your future. How to download APK and apply for an Aimloan. ![]() try looking at internet based lenders you can go to BANKRATE.
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