Personal experience with the refinancing of mortgages – Personally, I also refinanced mortgage ( and saved tens of thousands ) . Only receive appropriate acknowledgment of the original bank was a big problem . First I had to wait over 15 minutes ( although I was ordered to the exact time ) . Have a bank advisor pleaded that the document can not expose the system (according to me was incompetent and unwilling ) . Finally, he could question , where can I complain. Then she changed her mind and requested documents I received (it is their duty) .
I understand that if you leave from the bank ( and you have a good payment discipline ) , so it’s not like the bank ( tested excuses ) . After all, comes a sure source of good reception . Banks, therefore, to discourage customers from refinancing trying different tricks. If a person is emphatic , and he shall issue such documents (must ) .
The new bank , I have compiled according to their advertising requirement for mortgage feet . Although the banker ‘s excuse (the system can not , etc.) did not want to , but eventually made it (about losing fat commission ) . That did not bother me , I’m super conditions (which were listed on the web) .
Note : Be careful when refinancing a mortgage. New banks are offering better conditions , but not the best . O thou must ask (just go through their promotional materials , web) .
disadvantages of refinancing
I had to invest some time into downloading and information from the Internet , a little counting and processing fee for new mortgages , but to me within half a year back (I have lower fees for credit management , lower monthly payments , etc. ) .
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