"I have spoke with countless home owners who are in financial binds, paying high Mortgage payments, along with their other monthly recurring expenses. Now, many of these home owners can qualify for much better loan programs, but are simply too frustrated from their prior refinance experience to move forward, and bail them and their families out of their financial distress." Says Antonio Easter, a local Branch Manager of a thriving Mortgage Firm.

"Here are a few steps that can help make your next refinance experience a very pleasant one. First, you have to work with a Loan Officer who knows what he or she is doing and is on top of their game. They also, must have your best interest in mind. Now this doesn't always mean that they will tell you what you want to hear. An effective Loan Officer will not be afraid to tell you the truth, because he or she understands that as your friend in the Mortgage Business, they will do you an injustice, and place you at a huge disadvantage if they tickle your ear through the process, only to come to the end and you realize that you have been a victim of the infamous bait and switch tactic. Remember that you and your Loan Officer are a team, and your refinance transaction will be a lot smoother with a team effort to accomplish your refinance goals." Antonio Adds.

Antonio further warns not to shop an effective Loan Officer, for a half of point, or to save a few dollars on any fees that may apply to your Refinance Transaction. Keep in mind your goal is to Refinance Fast and easy.

Here are some Steps to place you in a position to Refinance Fast!

Tell Your Loan Officer the truth. This is very important! Remember that no one is perfect, and we don't expect you to be either. By being armed with the truth, your Loan Officer will be much better suited to work effectively on your behalf. He or She will also be able to tackle any possible problems in the beginning of your Refinance, which will better ensure a successful transaction for you.

Sign All Required Documents ASAP and get them back to the Loan Officer the quickest way possible. I have seen home owners who qualified for a particular program but waited to sign the required documents to get the loan started, and by the time they got the documents in, they no longer qualified for the program that they were so excited about. I hate seeing this, because it disappoints the home owner.

Get All Required Stipulations to your Loan Officer ASAP. This is highly important, because this too can delay the process. Example of Stipulations: Income Documentation, Mortgage Statement, W-2's etc.

Schedule Appraisal ASAP. Remember, that most appraisal have a 5-14 day turn around time frame. This is HUGE! The faster you can get this done the better. My personal advice is to get your appraisal schedule the same day that you speak to your Loan Officer.

Antonio ends with this last golden nugget...I do my best to communicate to all my clients every other day at the very least, to keep them updated and actively involved in the process. A effective Loan Officer who has your best interest in mind will not hide behind a voice mail system or a secretary. If for some reason you should reach his or her voice mail, you should hear from them within a reasonable time frame. THAT SAME DAY!

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