22 posts tagged with refi.
Displaying 1 through 22 of 22. Subscribe:

How to refinance a mortgage?

I am 8 years into a 30 yr mortgage, with a fixed rate that is about 1.25 to 1.75 points above where rates are now, so it seems like a good time to investigate refinancing. What are the problems and issues I need to watch out for? [more inside]
posted by anonymous on Oct 7, 2016 - 14 answers

Housing Refinancing 101- Options in NYC or NJ for a NYC home?

Am looking for loan to refinance a paid off, income generating house I have inherited with two brothers. The aim is to get 1/3 of the value to buy out brother M, so it will become co-owned with my other sibling. More inside! [more inside]
posted by TenaciousB on Mar 24, 2016 - 4 answers

Cautious Lenders: Conservative Appraisers?

Do cautious mortgage lenders tend to use appraisers that value properties on the low end of the spectrum? [more inside]
posted by baseballpajamas on Feb 8, 2016 - 3 answers

Does FannieMae consider wage deduction (garnishment) a hardship?

Wells Fargo has required that I fill out a Uniform Borrower Assistance Form because my wages are being garnished for repayment of credit card debt. Is this considered a reduction in income outside of my control?
posted by qsysopr on Nov 10, 2015 - 2 answers

Should I be skeptical of this lender?

I applied to refinance my mortgage. I told the agent that prior to putting any money down for appraisals, I wanted to check with a few different lenders so I could be comfortable with my decision to work with them. I was warned that shopping for rates would likely negatively impact my credit. A quick googling proved otherwise, informing me that there is a 14-30 day window to rate shop without impacting credit beyond the first pull. I feel deceived by the lender, and I'd like to know if that seems like that seems like a reasonable response. [more inside]
posted by yorick on Feb 12, 2015 - 15 answers

Do we need a lawyer when we close on our mortgage refinance?

Because we are in New York state, when we close on our refi, we are going to have to sign all of our paperwork in person. As I understand it, New York law requires this. We had our own lawyer present when we closed on the purchase of this house. Should we have one when we close on the refinance? If so, Why? If it matters, we are in Nassau county, and we are refinancing with the original bank who has owned our mortgage since we purchased the home.
posted by waterisfinite on Jan 27, 2015 - 7 answers

Hey Zoltar, how will our house will apprase?

How likely are these particular conditions of our home to affect an appraisal? Additionally, is there a significant benefit to addressing these condition concerns prior to appraisal for the purposes of a refi? Very long winded details insideā€¦ [more inside]
posted by waterisfinite on Feb 25, 2013 - 15 answers

If it sounds too good to be true, it usually is.

FHA Streamline Refi. Is there a catch? It feels like there should be a catch. [more inside]
posted by gnutron on Dec 6, 2012 - 14 answers

Which refi should I choose?

Two refi offers. One through Wells Fargo, which is the current mortgage servicer. Another through CapWest, via Costco. The CapWest one is lower, but I'm wondering if there is anything I'm missing. [more inside]
posted by BleachBypass on Apr 27, 2012 - 6 answers

What TYPE of mortgage/loan should I get?

I have a new 80/15/5 loan I took out in 2007 (6.125%/8.25%) and would like to take advantage of better rates. Who is the best person to help me figure out what type of mortgages/home equity loans I should get? [more inside]
posted by JLobster on Dec 30, 2011 - 4 answers

Know of a Credit Union that will keep your mortgage / refiannced home loan?

How / where can I take out a mortgage or refinance a house with a credit union that won't sell the loan to a big bank? [more inside]
posted by unclezeb on Nov 16, 2011 - 13 answers

Help find a refi

I'm looking for a good mortgage/refi broker in Madison, WI. [more inside]
posted by Pogo_Fuzzybutt on Oct 10, 2011 - 3 answers

Refi crashes and burns

I recently started a refi process with a broker highly recommended by a friend. Everything went swimmingly until our rental unit brought the entire process to a halt. Appraisal fee out the door and no new mortgage. What to do now? [more inside]
posted by diode on Dec 18, 2010 - 7 answers

To ReFi or not to ReFi?

Is it smart to refinance my house now? Very Special Snowflake details on the other side. [more inside]
posted by anonymous on Aug 27, 2010 - 6 answers

Plunging into the refi ocean.

Tell me your refinance success stories. [more inside]
posted by Gordion Knott on May 12, 2010 - 4 answers

Do I dispute a bad appraisal or get another?

[RefiFilter]: I'm applying for a re-fi on my condo, and just got a HORRIBLE appraisal. Like, so horrible the mortgage broker AND the underwriter of the loan both are scratching their heads. Short question: do I dispute, or suck it up and blow another $500 in hopes of getting a more realistic appraisal? [more inside]
posted by tristeza on Nov 6, 2009 - 5 answers

Are mortgage scams back?

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

Experience with Quicken Loans for re-fi or mortgage?

Does anyone have any experience with Quicken Loans for mortgage or re-fi; specifically, with the supposed "go with us and never pay closing costs again to re-fi or get another mortgage" policy? [more inside]
posted by tristeza on Sep 10, 2009 - 3 answers

Why doesn't Provident Lending want my business?

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

How to get a cash-out refinance on a newly purchased property?

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

Info sources for refi rates

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

Refinance through the same bank?

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

Page: 1