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Old March 16th, 2020, 11:37 AM #1
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Is it time to refinance or buy??

I know there are a lot of folks out there on the fence about whether to refinance when they have a good rate now, or perhaps questions about purchase loans.

I am here to help any MDS members their families and friends that have questions. The market is literally a dumpster fire right now and rates are ALL over the place.

My best suggestion is to Email me a recent mortgage statement when you can if youíre considering a Refi and Iíll take a look just to see if it makes any sense. Iíll shoot you straight either way, so just fire over a statement, desired term, and any details you think I need to know. Iím working pretty much non stop these days as are many lenders, so my response times may not be as blazing fast as usual. Please be patient if you can and I will get back to you ASAP!

For purchase clients you are priority #1 and will continue to be as contracts and closing dates take front seat as they should in this market. Iím here for any questions you may have.

RLowry@southerntrust.com
410-804-5978 is my cell

Ryan
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RLowry@SouthernTrust.com
www.LoansbyLowry.com
410 753 2236

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Old March 16th, 2020, 11:38 AM #2
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I was hoping you'd peek in here!
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Old March 16th, 2020, 12:19 PM #3
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The man doesn't lie. I contacted him for a refi quote a few weeks back and he advised that another offer I had gotten was better and that I should go with it.
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Old March 16th, 2020, 12:46 PM #4
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My wife is an attorney for a large bank and mortgage company...she says if you want to buy or refi then now is the time. The issue is that companies are in the middle of their efforts to transition from working from the office to working remotely and not all efforts are going smoothly. You may not get answers as quickly as you want or even consistent contact until things are sorted out.
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Old March 16th, 2020, 01:39 PM #5
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Sent you an e-mail, thanks!
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Old March 18th, 2020, 08:20 PM #6
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Today was one of the most volatile days in mortgage history. I was quoting rates in the low 3ís on purchases at 10am and by 4:30 we were in the low 4ís! Itís Armageddon. Best thing to do is submit an application and send me a statement as mentioned. If the rates come back (and they should in coming weeks) weíll be ready to lock and go. Refinance loans are taking 60+ days now but we cover your locks!!

Thereís no playbook for this and Iíve never seen anything like it in my 20+yrs including the crash.

Be prepared, be patient, tell me your goals.

Thanks all. I need oxygen and a bourbon. Lol

Ryan
410 804 5978
RLowry@southerntrust.com
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RLowry@SouthernTrust.com
www.LoansbyLowry.com
410 753 2236

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Old March 18th, 2020, 08:54 PM #7
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I'm going to email you tomorrow. I emailed the guy who did my last mortgage and literally got back 3 and 4 word replies.
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Old March 18th, 2020, 09:28 PM #8
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I'll probably send you an email also. Thanks
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Old March 19th, 2020, 08:56 AM #9
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Quote:
Originally Posted by El_flasko View Post
Today was one of the most volatile days in mortgage history. I was quoting rates in the low 3ís on purchases at 10am and by 4:30 we were in the low 4ís! Itís Armageddon. Best thing to do is submit an application and send me a statement as mentioned. If the rates come back (and they should in coming weeks) weíll be ready to lock and go. Refinance loans are taking 60+ days now but we cover your locks!!

Thereís no playbook for this and Iíve never seen anything like it in my 20+yrs including the crash.

Be prepared, be patient, tell me your goals.

Thanks all. I need oxygen and a bourbon. Lol

Ryan
410 804 5978
RLowry@southerntrust.com
Will we be able to refinance? Are places open?
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Old March 19th, 2020, 06:59 PM #10
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Thanks guys. Iíll be around!
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Ryan C. Lowry
Branch Manager, Southern Trust Mortgage
RLowry@SouthernTrust.com
www.LoansbyLowry.com
410 753 2236

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