ALL YOU NEED TO KNOW TO MAKE US A LOAN OFFER

We are a couple in our 50s, married over 20 years.  No children.

We both have steady, secure jobs.  One is a high school teacher with 10 years service and a Masters degree (looking to move into administration), the other is a workshop presenter and marketing coordinator with 14 years service at a government funded non-profit.

We have had no unemployment in the last ten years and basically no unwanted unemployment for most of our adult lives.

We pay all debts on time.  We always have.  We have no foreclosures or bankruptcies in our financial history.   We have very little credit card debt, financial obligations or dirty dishes.

We have excellent credit.  Our credit score according to TransUnion is 853.

We are looking to refinance our home loan.  The balance we owe is approximately $280,000.  Our last loan was originated in November of 2009.  The effective interest rate is in the very low 5s.

According to Zillow the house is worth $348,000.  Redfin puts it at about $352,000.  Of course neither site knows we just did a full kitchen remodel.  It is in the 90706 area code.

Our property tax is very low since we inherited the house – approximately $900 a year.  Our current escrow payment is approximate $160.  Our current homeowners insurance is approximately $790 annually.

We are only looking for 30-year fixed loans with no fees and no points.  This does not mean that we will ultimately sign only this type of loan, but in order to compare apples to apples, these are the only offers we want to see.

All loans must be structured so that we are free to refinance at any time or pay off early with no penalty.

You can make an offer by sending an e-mail to roylansdown@gmail.com