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What is your house wroth?
If I were you I would do a limited cash out 15 year conventional refi.
I'm not very familiar with mortgages, why would that be a good choice? Thanks for the explanation!
So... What should I do here?
@Homeowner13 wrote:
Zahnrosen I don't know what you did but I assume making 100k a year you should have been over paying each month to raise your equity! With a payment in the 500-600 dollar range you should be living more with in your ability and pay that sucker off in less than 10 years by adding $500 extra each month! If I were a bank I would be asking where all the money is going? <= that is why you arent a bank.... because this has NOTHING to do with the question asked... AND has no bearing whatsoever on getting a mortgage. 23% with your loan is more then easy enough to have extra disposal income if you are not blowing it all. To answer your question I would start with local banks, they are more likely to consider your outside situations.
@Zahnrosen wrote:
Where is the easiest place to get a refinance?
pretty low loan amount. borderline for some lenders.
ask current lender to refi?
go to a bank/credit union?
ask friends/relatives/coworkers for a referral to a lender they liked?