Are there any downsides to a HARP (Home Affordable Refinance Program [pdf]) refinance? My wife & I are employed and not behind on our mortgage, but this seems like an awfully good deal. [more inside]
posted by morganw on Dec 11, 2009 - 1 answer

Caught between a potentially troublesome mortgage and a bad job. How should I proceed? [more inside]
posted by anonymous on Dec 1, 2009 - 6 answers

How can we deal with Fannie Mae/Freddie Mac's rule that, for new mortgages or refinancing in condo buildings with fewer than ten units, one person may not own two or more units if those units are rented out? [more inside]
posted by kim in chicago on Nov 23, 2009 - 4 answers

Is this a mortgage scam? [more inside]
posted by n'muakolo on Oct 28, 2009 - 10 answers

I'm eight years into a 30 year mortgage, having paid off about 10% of the total amount of the original loan. Does it make sense to refinance now if I can get a rate that is about 5/8 of a point lower than my current rate? This would shave about $250 off of my monthly payments. But then I'll still be paying for this loan for eight additional years after the original one would have been paid off, right? How do I calculate how much additional $$ I'll owe overall, and how do I decide whether paying more later is worth saving money now?
posted by ericbop on Oct 26, 2009 - 16 answers

How flexible is a mortgage lender likely to be on the mortgage for a second home that looks like an investment property? [more inside]
posted by anonymous on Sep 24, 2009 - 1 answer

Generally good with numbers; but mortgage refinance has my head spinning. [more inside]
posted by anonymous on Jun 24, 2009 - 6 answers

I am in the process of refinancing the mortgage on my home. My lender wants to blow up the deal at the last minute. 1) Why? 2) What are my options? [more inside]
posted by genug on Jun 9, 2009 - 13 answers

Stupid-mortgage-company-filter. Is it possible to get a cash-out refinance on an investment property without going through the 6-12 month seasoning process? [more inside]
posted by walla on May 22, 2009 - 4 answers

Is anyone else getting the runaround on refinancing via the Making Home Affordable Act because you have PMI? Details inside. [more inside]
posted by nevercalm on May 8, 2009 - 5 answers

Should my refinance warrant such a long delay? [more inside]
posted by anonymous on May 6, 2009 - 5 answers

I've decided it makes sense to refinance my mortgage. I'm going to call the mortgage broker I used for my initial mortgage. a) Where else should I call (and how do I find them?) b) What questions do I need to make sure I ask of everyone? [more inside]
posted by davebug on Apr 3, 2009 - 12 answers

Should I take this FHA refinance, or wait for the new mortgage plan to take effect? [more inside]
posted by RobotNinja on Mar 23, 2009 - 5 answers

What are the costs of refinancing your mortgage mid-term in Canada? [more inside]
posted by hylaride on Feb 4, 2009 - 3 answers

I applied to refinance our house at the end of December. I've supplied all sorts of income information, but in January a decision was made that starting in February both my wife and I (we work in the same office) will be reduced to 70% hours and salary for a limited time. What do I need to do relative to the mortgage in process? [more inside]
posted by anonymous on Feb 1, 2009 - 3 answers

Money question. I need $82,500 within 30 days. Home equity line/loan or refinance or .... something else? [more inside]
posted by Dave. on Jan 26, 2009 - 10 answers

What are the best ways to find and compare mortgage refi rates and fees? (web sites, or?) [more inside]
posted by msalt on Jan 17, 2009 - 10 answers

RefiFilter. I have a couple options for refinancing my mortgage and I'm trying to figure out the best option. More inside. [more inside]
posted by wintermute2_0 on Jan 8, 2009 - 5 answers

Is paying principal on an Interest-Only (I/O) mortgage a smart idea when housing prices are not appreciating and there's a strong likelihood that: a) I'll put this home up for sale before my adjustable I/O mortgage adjusts, and b) Our home won't significantly appreciate or depreciate by the time we try and sell.
posted by seinfeld on Dec 31, 2008 - 8 answers

We're refinancing our home mortgage and want to know if you think we should jump now or wait, considering recent news about mortgage rates dropping further based on supposed guarantees by Freddie and Fannie. [more inside]
posted by terrier319 on Dec 4, 2008 - 4 answers

Interest rates are down, so my mortgage broker contacted me to see if I want to refinance. I'm under the impression that every time you refinance, you lose value in the house, so is this a good idea? [more inside]
posted by MtDewd on Nov 26, 2008 - 12 answers

How much should one expect to pay for fees on a mortgage refinance? [more inside]
posted by 6:1 on Apr 1, 2008 - 8 answers

Refinance my mortgage filter. Should we do it or wait a little while longer? [more inside]
posted by anonymous on Mar 16, 2008 - 10 answers

Is it possible to refinance through the bank that holds your mortgage? Is it desirable? Is it easier? [more inside]
posted by condour75 on Feb 21, 2008 - 12 answers

Trying to Refinance my home (& consolidate some bills). 1 year ago it was appraised at $410k. In the middle of this process, my lender indicated that 2 different appraisers indicated that it's only worth $350k compare to other similar homes in my area... although they haven't come out to do the appraisal yet. I'm concerned that because this is what they believe the value to be, it will be that or close to it. In order for me to do what I need to do (with my bills), I need the value of my home to be at $410. What can/should I do? [more inside]
posted by foodybat on Jun 27, 2007 - 11 answers

MoneyFilter: What should I do with my adjustable-rate mortgage? [more inside]
posted by wintermute2_0 on Apr 19, 2006 - 19 answers

Recommendations for refinancing a home online? [more inside]
posted by aspenbaloo on Sep 27, 2005 - 6 answers