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I've bought my house about 2.5 years ago for $138K @ 5.25 using two income, but now with rates lower thinking of refinancing but were down to only one income.
1: Will having one income be a problem or refi doesn't ask for income ?
2: How much should I expect to pay for closing and can I have it roll it to the loan ?
I have no idea...but why not call them and ask? Then please let us know what you learn.