Sometimes there is a happy ending after all (and not just at massage parlors). I came home from work yesterday to find one of those refi offers in the mail from Chase (holders of my first mortgage), the kind where they say "just sign here" and the loan is magically reduced from 5.25% to 3.25%.I've gotten these offers in the mail before but the fine print pointed out that I wasn't eligible due to our HELOC. I assumed that would be the case this time as well but I called anyway and the nice lady I talked to said that they would submit the subordination request to PNC (holders of my HELOC) and that they haven't been getting any resistance from PNC on these subordinations. So the HELOC will stay in place as-is but the first mortgage will get a nice drop in interest rate.Otherwise, no appraisal (yay!), no closing costs, etc. Just a reset to a new 30 yr term at a lower rate. Can't beat that, especially given the rock and hard place we may have been stuck between due to this comps/appraisal situation.Thanks to everyone for their input. Hopefully this won't be an issue when we eventually do sell our house (probably in a couple of years).Wot
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