Quote:
Originally Posted by Jandrews
What's the trick to talk your existing mortgage holder (local in my situation) to refinance without all of the garbage (appraisal, flood cert, taxes, etc...)??
JA
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Pretty tough to do unless your note is serviced by the same place that originated the loan and that's rare. Why would anyone do a loan without a recent appraisal or flood cert? Unless yours were done in the last six mos., I'm sure you'll have to do them again. If my dad held my note, he wouldn't refi it without an appraisal. That's nuts.