I owe $70,000 on my mortgage. Can I refinance, maybe a 3 or 5 year arm, and virtually pay off my mortgage by adding extra to the principal over the next 3 or 5 years and save more interest? I currently have a 30 yr. mortgage originally for $135,000 obtained in 2003.
I recently was behind on my mortgage but I have been on time for a few months. Should I wait to try to refinance my mortgage?
Hi,
I am interested in refinancing my home mortgage and being paid a cash back loan. What are the drawbacks to this? Will it affect my credit?
I bought my home one year ago and now I am refinancing. The appraiser is coming next week. What will they do? If a spare room and garage is messy will that affect the appraisal cost? Will they look in my closets? What if the appraised value changes excellent or terrible over when I bought it last year? Does that change the loan or my taxes?
Thanks Bill can you answer the part about value? What if the appraised value changes excellent or terrible over when I bought it last year? Does that change the loan or my taxes?I appreciate you sharing your expertise. 
I am in a arm loan and am looking to refinance after 2 years. I heard that refinancing can drop your credit score up to 30 points? Am i surpass off trying to sell or refinancing if i’m plotting on selling after 5 years?