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Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012
0

Re: Advice on NFCU re-fi

Thanks for the response! 

 

Thats good info to know. 

 

Unfortunately, you lost me here..... What is this? It's all Greek to me.  i've never re-financed anything before so I'm a total newbie to this.... Filing a title lien to whom? I can deliver the payoff to my lender no problem. What is a title holding state? i'm guessing that this means that a customer can hold the physical title despite the lien.... time to google!  :smileyhappy:

 


webhopper wrote:

In march they pulled TU for a refi and in October they pulled EQ for a new car loan. the 250 shows up as a credit in your shares account... the car loans with nfcu are awesome... you can either pay from any of your nfcu accounts or you can set up an external transfer from another account. I faxed in all of the info they needed but you can probably send it all via secured message center. Pay stubs and w2s.

be prepared to file the title lien yourself and to take care of delivering the payoff to your current lender. Once you get the new title in listing navy as the new leinholder you either mail it in to them or keep it if you are in a title holding state.



Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
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Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012
0

Re: Advice on NFCU re-fi

Update :  

I apped today and was approved with 6.49% over 72 months for the full amount (~12100$) . I dont know who they pulled yet or what my score is, but the rep is FedExing me the refi check for my lender and I should have it tomorrow, according to her. 

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
Take the FICO Fitness Challenge
App Free since 2.8.13
Regular Contributor
coreyb80
Posts: 107
Registered: ‎07-26-2012
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Re: Advice on NFCU re-fi

Congrats on the great deal!

Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012
0

Re: Advice on NFCU re-fi


coreyb80 wrote:

Congrats on the great deal!


Thanks! I am very happy about this! It will cut my payment by more than 50%!!!! DTI is going way down and I'm able to save. Woohoo! 

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
Take the FICO Fitness Challenge
App Free since 2.8.13
Valued Contributor
madmann26
Posts: 1,434
Registered: ‎08-30-2012
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Re: Advice on NFCU re-fi

Congrats!!


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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