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Do I tell them I'm getting more than 1 quote? Is there a cost to me for getting their quote? Do I have to fill out and app., and pay for it, before getting their quote? What costs can I expect to incur? Don't get me wrong. I'm not trying to be cheap. Just trying to understand the process better of shopping around and seeing how it works
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I live in a relatively small town but there's lot's of banks here (Lakes area tourist town) and I'm looking to refinance my home. When shopping for the best rates/fee's/program for me, do I need to fill out applications to get a GFE? Do I tell each lender I go see that I'm "shopping" to find out what the best rates/fee's
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You're in the same boat I was 6 months ago. I couldn't find a lender to refinance my home either. You must be trying to do a "cash-out" refinance. I believe if you're just doing a straight refi without doing a cash-out refi, you shouldn't have any troubles unless things have changed. Here is some advice I learned then: Giving
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Is this still the case with the DU Refi Plus?
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Can anyone tell me if Fannie has changed their rules regarding cash-out refinancing, in terms of if a house has recently been on the market? Does a home still have to be off the market for 6 months before one can do a cash-out refinance? Thanks for your help!
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Thanks for the info Kent. I have no clue what TBW's rep is though.
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Thanks for the info Victor. I'm don't know what OO or NOO means though. I see you're a Hokie. I went to a football game in Blacksburg 2 years ago. My gf's son is an '07 Grad.
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5.75% on my first. I'm not overly concerned about property values declining since I'm on a lake. Rates rising is, as you know, another story.
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First of all, I want to say Thank You for all the advice and insight. This is a wonderful place that helps a lot of people. Secondly, after checking with local credit unions, they all abide by Fannie/Freddie rules. Therefore, I won't be able to do a cash out refinance until early May. That being said, I have credit card debt of $25,000 and the
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77%. The appraisal came in at $345,000 and I'm looking for $266,000 (which would cover the closing costs).