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I received a letter from this company and he knows how much I owe my current mortgage. What I want to know how they can offer without closing my fixed rate to reduce costs and expenses (as described in the letter)? Sounds like some kind of scam? All those who heard Vertex?

2 Thoughts on A mortgage company called Vertex Financial offers a fixed interest rate lower at no cost. How do they do it?
  1. Reply
    January 2, 2013 at 8:16 pm

    Sorry! No idea about Vertex Financial. But I had a very good experience with 123refinanced executives. As they are pretty good in the area of refinance at lower fixed rate.

  2. Reply
    James O
    January 2, 2013 at 9:02 pm

    well, its not a scam but it is a ploy. I just went to their site and looked it over. They have purchased your info through a lead company. They have your bank name, loan amount, type of mortgage, date the mortgage was signed, your address, and number. They looked at your mortgage note to see the details. Based on your current situation, they can say that they offer a better program. And they do, as the rest of us do. But what they dont tell you is that you arent qualified for this program. You may or may not get it. They will sell you on something else after you have signed the broker agreement.
    Anyway having said all that its up to you. They are a valid company out of Highlands Ranch, CO. and have been operating for 8 years. They have no bad points against them. They company license is current and is owned by Michael Waitt. Here is his number:(877) 939-0339.
    I wouldn’t be afraid. Just dont expect to have no closing costs.

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