If you have a chase Manhattan Mortgage and have made 12 payments or more (on time) you can "Streamline" refinance which saves you the hassle of all of the paper work and no appraisal needed... Rates are low enough you can get 6.00% (roughly) for a 30 year fixed mortgage.

Scot

 

i forgot to mention.

If you are currently at $150k and 7% (pretty decent), you can streamline into a 6% at $150k and save about $100 per month. Not bad for little hassle.

Just posting so some people save some $.

Scot

 

Chase held the company lease on my S, which was due to be up next month. They called and said "You have a car that has held its value unusually well. According to Kelly Bluebook, you can sell it to a third party for about $6,000 than your lease buyout. We'll pay your last two lease payments and do a 6% simple interest refi and lower your payments about $250/month. " I went for it.

 

Scot -

Good heads up for other members.

My wife and I currently hold a Chase mortgage and a Chase Equity line. We have rate locked and are refinancing both as well.

Here in CA, we're actually getting slightly under 6.0%, fixed for 30-years no points and prime + 0.0% on our equity line. Pretty damn good. We refinanced just last year and the savings to cash flow will be enough to recoup our out of pocket (new title, etc.) in less than 7 months.

Look into it folks!