NLIC.org

Dean Said:

What's the best online site to lower my Mortgage interest?

We Answered:

Don't get scammed.
The feds set up a site called HOPENOW.com
To prevent foreclousures.
They can call your mortgage lender and negotiate with them to prevent foreclosure.

The HOPE NOW Alliance includes a number of counseling organizations, which consists of all HUD intermediaries that
have offices across the United States. The organizations play
a key role in the success of HOPE NOW, providing borrowers
in-depth debt management, credit counseling and overall foreclosure counseling
https://www.hopenow.com/
If anything - they will prevent you from being scammed by one of these restructuring companies.
The gvt is doing everything in their power to prevent foreclosures. Its time for you to take advantage of these programs.

Call the 800 number on the site - don't do this online.
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Walter Said:

does anyone have views on the best financial (mortgage) comparison site/of just info site?

We Answered:

r points has lots of info
on their forums http://funu.org/12RWk

Leah Said:

Who is the best on-line mortgage lender?

We Answered:

I've had several loans through Ditech http://www.ditech.com and have been extremely happy with them. Highly competitive rates, reasonable costs, easy-to-read contracts and fast, efficient service.

Lending Tree http://www.lendingtree.com also has a pretty good reputation but unlike Ditech they DO shop your loan among a number of banks and brokers. This can lead to quite a bit of unwanted SPAM in your in-box if you're not careful. It may possibly save you some money though I can't verify that. The offers I got through them were no better than what Ditech offered.

Ditech is a direct lender and carries most of their own loans instead of selling them off on the secondary market. A loan through Lending Tree will almost certainly be sold off, possibly a number of times over the life of the loan.

Also, if you have strong credit Ditech will allow you to manage your own escrow for insurance and taxes. This will reduce the cash required at closing and will stabilize your mortgage payments though they may occasionally as for proof of payment of your insurance and taxes. They did ask me at the end of the first year on my current loan but have not asked for proof since then.

Hector Said:

What is the best web site I can find out the current mortgage rate?

We Answered:

For a quick overview of all the rates out there, go to www.bankrate.com. Check out the mortgage calculators while you are there. If you want a personalized quote via email, you can get it at lendingtree.com, but you will need to give them your address, home phone, etc.

Bruce Said:

What is the best internet site to obtain mortgage refinance offers through email without giving out phone#?

We Answered:

All of the internet sites will require someone to call you back before you will get any quotes. In fact, without reviewing your credit or at least knowing your score, knowing about your employment/ income, it is impossible to get a reliable quote. I would be happy to converse with you via email to give you quotes if needed.