They have a website dedicated to todays rates. 7840 But, theyre in trouble right now and have an assortment of problems. The FBI is looking into whether they committed securities fraud. That doesnt necessarily make them good.

The vast, vast majority of the loans in their portfolio were not created by them.

They were bought from brokers and other banks. Their retail loan officers arent always that experienced, though they do at least get some training. And theyre limited in their products. Call a few brokers, one or two banks, and ask what rates theyd offer for a My Community Mortgage. Thats almost guaranteed to be the product you are being offered by Countrywide. 40 year term, or both, you should not have to pay rates that high. 2nd mortgages to anyone with a score under 660.

PMI becomes the cheaper option anyway. Countrywide isnt the only game in town. But at least youll have confirmed it. So youre not far off. Just one other option to ask about, see if its right for you. We will all be equal, equally poor just as they are in Cuba now.

His name was Valdimir Lenin and we know what a success that was. Obama by the way admits to being an admirer of Karl Marx. He intends to dessimate our military.

He wants to spend that money not save it. What Obama is proposing is socialism and it does not work. It is not my responsibility to feed other nations.

It is the responsibility of those nations to feed their people. United States give more than any government BY FAR including our own. Conservatives donate money at an even higher rate compared to Liberals. When it comes to getting off the couch and actually donating tiime, 24 to 1.

When hurricane Katrina hit and you saw on TV all those volunteers who came out to help, for every 25 people in the shot, only 1 liberal. And I think that was Sean Penn. 00 to charity in the last 10 years. Obama pass his tax increases that will bust this economy, as if its not busted enough, to the tune of ONE TRILLION plus.

Obama is NOT a Christian. Obama was the only IL state senator to vote against the Born Alive Infants Protection Act, which required medical care to be given to live infants who survived abortions. To bail these institutions out justifies both stupidity and greed. OBAMA; Franklin Raines, former Clinton administration budget director; James Johnson, former aide to Democratic Vice President Walter Mondale; and Jamie Gorelick, former Clinton administration deputy attorney general.

21 million in just his last year serving as Fannie Mae CEO from 1991 to 1998. Countrywide Financial surfaced and forced him to step down. 90 million in his five years as Fannie Mae CEO, from 1999 to 2004, Raines currently advises OBAMA on housing policy. 26 million serving as vice chair of Fannie Mae from 1998 to 2003. American Constitution Society that Gorelick was a possible attorney general cabinet appointment if OBAMA should be elected president. 1989 reveals OBAMA in his three complete years in the Senate is the second largest recipient of Freddie Mac and Fannie Mae campaign contributions, behind only Sen. In contrast, McCain warned of the coming mortgage crisis as he pressed in 2005 for regulatory reform of Fannie Mae and Freddie Mac. Fannie Mae and Freddie Mac regulatory structure that remained in place until the Treasury takeover two weeks ago. Federal Housing Enterprise Regulatory Reform Act of 2005, the Democrats in Congress have repeatedly fought back Republican Party efforts to reform the two mortgage banking giants. Fannie Mae and Freddie Mac as places to locate former top Democratic Party operatives, where they have earned millions in compensation, despite a continuing series of financial scandals. Many times mortgage brokers think they can charge more on referred deals, since the client is less apt to shop around. That being said, I checked rates, and it hard to believe Countrywide and Quicken would charge 0 points for those rates.

Get a Good Faith Estimate to see if there are other charges included. ARM is okay, especially if you have good credit and you only anticipate being in the home a few years. The rates adjusted up, and because the subprime loan programs no longer exist, they can no longer refinance out of it. Subprime ARM rates always adjust higher due to a high margin. Well, home equity loans vs lines of credit are typically fixed. The APR will definitely save you money on a home equity loan vs your credit cards. Companies like BofA and Countrywide are offering zero closing cost products and are highly competitive so you may want to start there.

Once you refinance or if you refinance, you might want to get the new mortgage oo both mortgages set up in this way.

Take out a second mortgage instead.