I have never had to remortgage my house before so I am unsure what steps I must take. Do I hire a remortgaging solicitor first before sorting out a new home loan? Or do I just deal with the lender directly without the need for a conveyancing lawyer?
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Are you behind in your mortgage payments? Are you still working or retired? Would you consider a mortgage modification? All of these questions are needed in order to answer your question. To get more answers I suggest calling your current lender to see if you can modify your loan to a lower interest rate. You also might want to talk to friends to see what lenders they are using. The Loan Officer is paid only if they get an approval for a new loan or modification program. Don't go to your local bank that has your checking & savings account I don't know too many of them that will do a mortgage for their clients Good Luck.
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