I don’t want a company that charges high fees and is reputable. The loan amount I need to refinance is about 55k, the house is worth 170k. My credit is brilliant and the house is my primary residence and I live in Georgia.

I am working with a new lender to refinance my loan. I am approved for the loan, completed my appraisal. If my lender can not get me a low rate can I go else where?

I currently am a year into my loan. My mortgage was sold, the new company said there was an issue with the loan the first time and i have no choice but to refinance. They will give me a 0.25 percent off the interest. It all sounds suspicious, any thoughts?

Is it based on the size and value of the current house or of the house with the addition? Just curious because our addition would be 1000+ square feet, which makes a huge difference.

We bought our house 4 years ago and then declared bankruptcy a year later. We now want to refinance to pull the justice of approx 30k out of our house to use to fund our sons post secondary education. Will a bank, any bank in Canada do that or do I have to look for a specialized lender?