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Just ask your mortgage company for the payoff amount in writing for the date you’re closing on the refinancing.
Thank-you, I'll do that. If it includes more days of interest than it'll actually be, do they reimburse you?
I've just had the payoff statement and you're right, it clears everything up. It was requested over a month ago, so doesn't reflect payments made since then, as well as having some BS fees tacked on and interest through the end of this month. We're supposed to be closing tomorrow. So the title company said we can request a new amount which may through a wrench in the plan, or proceed as we are and the mortgage company will refund me after. I'm fine to wait for a refund from them, I'll also be waiting for a big escrow check from them too. Thanks for helping me clear it up.
That seems about right. Mine showed $194,200 and the payoff came back at $195,800. I believe it's interest. Keep in mind, any escrows you had in your account will be refunded to you within 30 days if you refinanced with another lender...
So did your closing go as planned? All good?
Mostly went as planned. We went in for closing on Thursday and was then told we couldn't close as the Kansas lender had sent over the documents as a mortgage, and our experience closer said in Texas it's considered a Home Equity Loan when you do a cash-out refinance. So we had a 24 hour delay which was annoying, but not the end of the world. They had the correct documents drawn up by a local attorney. Closed yesterday, all went smoothly, and the loan funds on Tuesday. Will await the check from the current mortgage company with my escrow balance.