"In eastern WI, badgerlandfinancial.com In western WI, agstar.com"    View Post

"NationWide Loan Auditing: I am really sorry to hear that. Was it that difficult for the appraiser to just ignore the drywall at the moment? But anyway, there are too many technicalities involved now. And for people like us, it is rather easy to get confused in this kind of situation. I would suggest two things, though. First, you can start asking your bank questions about the surprise charge you got and maybe a few more clarifications you need. Or second, you can get professional help. You can also..."    View Post

"Andrea, One further clarification, just to make sure that we are all on the same page. There is a difference between "no closing cost" and "no out of pocket costs". With no out of pocket costs, your closing costs and settlement charges are rolled into the new loan, but you will not have to bring money to the closing. With a no closing cost loan, your fees are paid by the originator."    View Post

"Andrea, a) Do not wait if you are going to refi, rates are at all time lows. b) There are several forms of streamline FHA refinance otions, credit qualifying or non, and with or without an appraisal. You should speak to a broker/lender about the different options and the benefits and drawbacks of each. c) You should select a broker/lender that you trust will give you a competative program and will give great service. No out of pocket costs would not be a problem for a loan your size as it would be..."    View Post

"Many lenders are limiting the program to 105%, but there are some doing all the way to 125%."    View Post