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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I don't think that will be true. I think it will be only charged when cash comes out!!

Like | Dislike | Share | Posted: Thu, 01/17/2013 - 20:46 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest!

Welcome to forums!

If the mortgage lender in Kansas operates in Texas, then you can take out a mortgage from them as well. Normally it is better to take out a mortgage from a lender who operates in your state.

Feel free to ask if you've further queries.

Sussane

Like | Dislike | Share | Posted: Mon, 03/05/2012 - 22:51 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have a couple of questions.
1. 6+ years ago I co-signed a [url=http://www.mortgagefit.com/home-equity.html]home equity loan[/url] for my mother-in-law. She went through a bank and it was a very quick concise process. Jump to present day, she has decided that she wants to sell us her house, and apparently since I signed that loan I now already own the house so I an not eligible for a new home loan. To clarify I am not and have never been listed on the title of this property. I am told that the bank should have filed paperwork to have my name added to the title at the time of the original home equity loan. 2. The bank is suggesting that my only option is to have my mother-in-law deed me th house and then I can do a cash out laon and pay her the aggreed upon price. I have investigated this a little bit, and I am being told that once the deed is filed that I have to wait 6 months for 70% and 12 months for 80% cash out, but the bank is telling me that they can have the whole process closed inside of 2 months. I have plans to meet with a real estate attorney.

Like | Dislike | Share | Posted: Sat, 05/26/2012 - 06:07 | Post subject:

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi radmanzx,

Unless your name is listed on the property deed, you won't be considered as the owner of the property. As the loan is already in your name, you can only get the property transferred in your name. You can then get the existing mortgage refinanced in your name.

Thanks

Like | Dislike | Share | Posted: Sun, 05/27/2012 - 23:21 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I had a man from Chase tell me that I cannot do a refi on my home unless I do a cash-out because I refinanced in 2009 and did a cash-out to pay off the land. Once you refi with a cash out...you have to do a cash-out if you ever want to refi again????

Like | Dislike | Share | Posted: Mon, 07/16/2012 - 16:05 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi BKC!

Welcome to forums!

Rules are different in case of Texas. If you go for a cash out refinance, you may have to go for the same when you refinance the next time.

Feel free to ask if you've further queries.

Sussane

Like | Dislike | Share | Posted: Tue, 07/17/2012 - 01:39 | Post subject:

lucie.c.elliott's picture
lucie.c.elliott | Joined: July 6, 2012 10:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I am based in TX, if you want to click on profile to contact me. In TX once you do a cashout loan all loans are considered cashout.

Like | Dislike | Share | Posted: Tue, 07/17/2012 - 10:39 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Adam,

Since your loan amount is so small they may be charging more interest to reduce your closing cost so they stay under the 3% limit.

example ( by no way today s rates or a rate quote): your par rate is 25% lender can offer you 25.5 lender makes more on rate(not paid to loan officer see Frank Dodd act) to reduce closing cost and stay under the 3% cap on fees.

if this is not what you are asking please clarify.

Like | Dislike | Share | Posted: Thu, 03/14/2013 - 13:02 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I am a co-tenant with my mom that is a alzheimers victim. She granted me full durable statutory POA back in 1997 when we were aware she had the disease. Can I use the POA to close on a cash out refi in Texas.

Like | Dislike | Share | Posted: Thu, 03/14/2013 - 19:03 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Rod,

If you have the POA, then you can close the deal. However, it will be better if you can take the opinion of a real estate attorney before going forward with the deal.

Like | Dislike | Share | Posted: Thu, 03/14/2013 - 21:57 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Jacey,

In Texas, there is a law related to cash-out refinance. This law is known as the a6 law which allows a lender or a mortgage company to offer cash-out loan for a maximum of 80% of the property-value.

Like | Dislike | Share | Posted: Wed, 03/14/2007 - 23:50 | Post subject:

kenstampe's picture
kenstampe | Joined: January 22, 2007 02:45 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Jacey,

I've been doing loans in Texas for over 10 years which puts me just prior to the legislation changes. The state constitution details what can and cannot be done with our primary residence or "homestead". In the Homestead Act, Article A, Section 6 (thus the A...6) is where the changes were made back in 1996/97 that enabled Texans to do a cash-out loan.

There are many unique requirements, some of which make very little sense to people. These requirements only apply IF you are:

1) financing on your primary residence.
2) you are refinancing an existing note additional money for debt consolidation or simply cash to you
3) OR you are taking out a new loan for debt consolidation or cash out to you
4) the refinancing of a loan which was created as a Texas A6 [url=http://www.mortgagefit.com/home-equity.html]home equity loan[/url]. Once a home equity loan....always a home equity loan.

A Texas A6 home equity loan is NOT one of the following:

1) A refi loan to change the interest rate or terms of an existing loan that was used to purchase the home
2) Refinancing to combine a 1st lien and 2nd lien that were used to purchase the home
3) Refinancing plus cashing out to pay an ex-spouse's portion of the equity
4) Refinance plus cash out where the cash out is to ONLY pay back state, local or federal taxes
5) A refi plus cash out where the cash out is done as a bona fide home improvement loan where funds go directly to the contractor.

Unique features of the Texas A6 home equity loan are:

1) borrower must be given a notice of their rights and the loan cannot close earlier than 12 calendar days from when this notice is received.
2) a home cannot have more than one Texas A6 loan on it at a time
3) a Texas A6 loan cannot be refinanced within the first 12 months
4) a Texas A6 loan cannot be done if the total mortgage financing will be greater than 80% of the home's value.

There are more little nuances but this should get you started. If you have more questions, post them here and we'll get the answers for you.

Like | Dislike | Share | Posted: Sat, 03/17/2007 - 01:10 | Post subject:

helping_user's picture
helping_user | Joined: March 31, 2006 03:39 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Ok Ken,

So you mean to say that a Texas a6 loan is a home equity loan. It can be taken out to do a cash-out refinancing on an existing note or when one intends to consolidate debt.

I am not so clear about the third requirement. Is it that one can apply for texas a6 mortgage when he wants a completely new loan to consolidate other debts? Or do a cash-out for improvements or pay off other bills? Pls explain

Thanks in advance

Like | Dislike | Share | Posted: Sat, 03/17/2007 - 02:16 | Post subject:

kenstampe's picture
kenstampe | Joined: January 22, 2007 02:45 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Anytime you are pulling cash out of your home, regardless of lien position, it falls into a Texas A6 loan category. So if you have an existing 1st lien you refi Plus cash, that is a Texas A6 governed transaction. If you have a 1st lien and you don't refi but instead take out a 2nd lien home equity loan or HELOC that ALSO falls under Texas A6 governance.

I hope that helps...

Like | Dislike | Share | Posted: Thu, 03/29/2007 - 11:43 | Post subject:

helping_user's picture
helping_user | Joined: March 31, 2006 03:39 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

yeah definitely it helped :)

Like | Dislike | Share | Posted: Fri, 03/30/2007 - 00:03 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Yes, unfortunately - the State "labels" Texans, when they do a Texas A6 OR what is called a "cash-out" against THEIR PRIMARY RESIDENCE.

(if you have investment or a second home = does not apply.)

you can ONLY do a Texas cash-out every 1 year + 1 day from the date that the last A6 funded.

so if you wanted to refi at a lower % rate 8 months later - you (sorry) still have to wait for 12 mos + 1 day to fund your next loan.

call me for help.

Jeff
512-263-3132

Like | Dislike | Share | Posted: Fri, 06/15/2007 - 15:45 | Post subject:

Brian Dela Cruz's picture
Brian Dela Cruz | Joined: April 17, 2006 12:10 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Jeff,

Welcome to our community.

Thanks for sharing your knowledge with the community.

We hope that you'll have lots of fun interacting with people here.

With best wishes :)

Brian.

Like | Dislike | Share | Posted: Mon, 06/18/2007 - 05:25 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Just what I wanted to know about this refi options in Texas especially the Texas a6 cash out refinance law - thanks for the concise information!

Like | Dislike | Share | Posted: Wed, 08/15/2007 - 11:33 | Post subject:

miller_st's picture
miller_st | Joined: January 17, 2007 04:47 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Feel free to ask any other thing you would like to know about Texas mortgage refinance and the A6 law Jentimus. We will try to help you out in every possible way.

Like | Dislike | Share | Posted: Wed, 08/15/2007 - 12:03 | Post subject:

larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Jentimus,

It's really nice if you've have been benefitted from the community. Do not hesitate to ask any further question.

Like | Dislike | Share | Posted: Wed, 08/15/2007 - 21:34 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I am builing a new home, but have not yet sold my old home. I entered into my current mortgage about 5 years ago, and it was a Texas cash out mortgage. It is likely that I may need to close on my new home before I sell my old home. Am I eligible for a home equity line of credit in Texas on my old home (to get some cash out for closing on the new home), or do I have to refi my current mortgage? Thanks.

Like | Dislike | Share | Posted: Wed, 11/14/2007 - 14:48 | Post subject:

jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hello Tim,

Your query has already been answered at [url]http://www.mortgagefit.com/texas/cashoutrefinance-heloc.html[/url]

Have a look at it.

Like | Dislike | Share | Posted: Thu, 11/15/2007 - 03:42 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

We have refinance our home over 7 years ago and took cash-out. Can we refinance again with cash-out on the same home in Texas?

Like | Dislike | Share | Posted: Sun, 05/19/2013 - 19:50 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I truly don't understand why Texas legislators would make a law that says I cannot refi my own property as often as I want, so long as I can afford it and am not in debt or default on anything. They did nothing to keep out low-interest, ARMs a few years ago, and now are talking about bailing them out. Yet they will not let me refi my loan, at the currently available rate that cut my payments by $150/mo AND let me pay it off 10 years earlier, just because I refi'd my ARM (which I could afford) into a Fixed 8 months ago. Is there a loop-hole or way to get around this obviously stupid law that doesn't benefit the homeowner in any way? My bank is willing, it would be with the same bank, on the same property, just a better rate.

Like | Dislike | Share | Posted: Mon, 04/07/2008 - 11:19 | Post subject:

Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Ann,

You cannot go for a Texas mortgage refinace within one year since you have taken the mortgage. After one year you can be able to go for refinancing. Actually in ARM also your rate is not adjusted before one year.

So one should shop around and think twice before taking a mortgage whether they can afford it or not so that they need not to refi within a year.

Let me know if you have any more queries.

Like | Dislike | Share | Posted: Tue, 04/08/2008 - 02:58 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Is there a government cite I can show my complaince manager about this cash out law? She is in Boston. I am in CA. Client is in Dallas and wants to cash out on her home to less than 75% ltv. I just need a public government resource I can show her.

Like | Dislike | Share | Posted: Mon, 04/28/2008 - 21:12 | Post subject:

larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Norm,

Welcome to the forum.

In this community also there are lots of discussions on Texas A6 laws community members and lenders. You can this discussion to her at http://www.mortgagefit.com/texas/a6loan-law.html#23849

Best of luck,
Larry

Like | Dislike | Share | Posted: Tue, 04/29/2008 - 03:15 | Post subject:

jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hello Norm.

You can find information on Texas a6 law the The Texas Constitution site. Go to Section 50 and check out (a)(6) and specially point (B) and (C) at http://tlo2.tlc.state.tx.us/txconst/sections/cn001600-005000.html

Like | Dislike | Share | Posted: Tue, 04/29/2008 - 03:34 | Post subject:

larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

HI Eric,

I don't think it is a state's requirement. It may be the lenders requirement.

Like | Dislike | Share | Posted: Wed, 05/07/2008 - 23:24 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I used to work for a Lender that would not do Cash out refi's in suburban areas of texas just urban and rural.

Is this a Lender requirement or Texas requirement?

Eric

Like | Dislike | Share | Posted: Wed, 05/07/2008 - 09:21 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Joey,

If you have equity in your property, then you will be able to refinance it again. As Texas laws are different, you should speak to a mortgage broker before you apply for a cash out mortgage.

Like | Dislike | Share | Posted: Sun, 05/19/2013 - 23:44 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I refinanced my loan into an arm 3 yrs ago and now want to get a fixed loan. My credit score has fallen so that I cannot get a conv loan; but because I took cash out of the equity when I refinanced, I am being told I cannot get a govt. loan right now. Is that correct? I did not know anything about this Tx A6 loan.

Like | Dislike | Share | Posted: Fri, 08/29/2008 - 15:58 | Post subject:

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Mikek,

Welcome to forums.

You need to check out the state laws. You cannot have more than 1 Texas A6 loan at a time and it cannot be done if the total financing you need is more than 80% of the home value. So probably you're getting denied because of a higher LTV. By the way, did you ask the lenders why you were being denied? it's very important because it may help you eliminate the cause of the loan denial.

Thanks

Like | Dislike | Share | Posted: Sat, 08/30/2008 - 00:06 | Post subject:

helping_user's picture
helping_user | Joined: March 31, 2006 03:39 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I think you should talk to a lender offering Texas A6 loan regarding any calculation on the 3% fee restriction.

Like | Dislike | Share | Posted: Sat, 09/13/2008 - 01:23 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

When calculating the 3% fee restriction for Tx(A)(6) loans. Should I subtract the aggregate adj from the total impounds?

Like | Dislike | Share | Posted: Fri, 09/12/2008 - 15:35 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I understand the rule about the subject property being a primary home or "homestead". But what we have run into is a situation where the borrower has disclosed that the subject property is now an investment home but is still labeled as his "homestead" since it is the only home he owns. The title company will not close close this loan unless we call this an (a)(6) refi since the county still shows this as homestead, but it is NOT his primary. Has anyone encountered this?

Like | Dislike | Share | Posted: Tue, 10/14/2008 - 11:38 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Dianne!

Your query has been answered by a community member in the given link. Please have a look:

http://www.mortgagefit.com/texas/a6loanrefi-homestead.html

Thanks,

Jerry

Like | Dislike | Share | Posted: Wed, 10/15/2008 - 02:04 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

ok... so ... 2 years ago I got a conventional loan and paid off some debt from the equity of my house did not exceed 80% LTV ... I currently pay a 9% interest rate... I want to refinance to an FHA Fixed 30 year and I qualify for a 6% fixed rate... but Im being told I cant do that ... WHY!!?? I have good credit (700 mid fico) my DTI will be 29% ... and my LTV is 80% !!! what is the deal?? HELP!!??

Like | Dislike | Share | Posted: Wed, 11/26/2008 - 18:21 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi WHYME,

Did you ask the lender why he is not letting you refinance the mortgage? As far as I can understand, you should be able to refinance the mortgage.

I think you should consult some other lenders and check out what they have to say in this regard. It is not mandatory to refinance the loan from the original lender. You can also consult the lenders of this community and get a no-obligation free mortgage quote from them. Then you can compare the rates and select the best option.

Thanks,

Jerry

Like | Dislike | Share | Posted: Thu, 11/27/2008 - 00:50 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I want to make sure I am gathering and processing this information correctly. The law prevents more than one cash out (whether it be a refinance with a cash out or a [url=http://www.mortgagefit.com/home-equity.html]home equity loan[/url] or line of credit) on a Texas primary property within 12 months and 1 day. If this is not correct please correct me.

Like | Dislike | Share | Posted: Tue, 12/09/2008 - 06:41 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Barbara!

Welcome to forums!

As far as I know, Texas refinance law states that if you have a home equity loan, it can only be refinanced with another home equity loan though you are not taking any more cash out of your home. Moreover a home equity loan cannot be refinanced within 12 months from the date of closing.

Feel free to ask if you have further queries.

Sussane

Like | Dislike | Share | Posted: Wed, 12/10/2008 - 21:14 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

What if I am trying to refinance thru a VA loan, I talked to them and they said I could, however the state of Texas says I can't, is there any way to get around what the state says.

Like | Dislike | Share | Posted: Tue, 12/30/2008 - 09:37 | Post subject:

Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Reb

As far as I know, you can refinance an existing mortgage in Texas through a VA loan. However, in the title of your post, you have mentioned about the Texas A6 laws. I don't think refinancing through VA loans has anything to do with Texas A6 laws, however if you want to know more about the law, check out the link:
http://www.mortgagefit.com/texas/a6loan-law.html#23849

Thanks.

Like | Dislike | Share | Posted: Wed, 12/31/2008 - 02:11 | Post subject:

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi mike,

Yes, the lender should have informed you that you will not be able to refinance the mortgage before one year of taking the mortgage. In my opinion, you will have to wait and then take a cash out refinance.

Thanks

Like | Dislike | Share | Posted: Sun, 01/25/2009 - 22:54 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Thanks for such great info.
I just moved to Texas in Oct 2008 and love being here. I was taken by suprise when I tried to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] my mortgage to a lower rate because I wanted to take cash out. I put down 50% thinking when rates lowered I would refinance and recover funds. Now I find I must wait. I would have appreciated that info before I provided such a large down payment!
Best Regards to all who contribute!

Like | Dislike | Share | Posted: Sat, 01/24/2009 - 09:41 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Since a [url=http://www.mortgagefit.com/home-equity.html]home equity loan[/url] can only be refinanced with another home equity loan are the interest rates quoted for a refi generally the same as a home equity ratel?

Like | Dislike | Share | Posted: Sun, 02/15/2009 - 13:04 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi ann,

I think the rates will be more or less the same when you refinance the home equity loan. As the rates are low now-a-days, lot of people are refinancing their mortgage. However, you should note that you can refinance only if you have equity in the property.

Thanks,

Jerry

Like | Dislike | Share | Posted: Mon, 02/16/2009 - 01:20 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I bought investment property in San Marcos, TX which has actually appreciated about 60k over the last 3 years. I have 2 loans on those which I am trying to get a lower rate on. My countrywide loan office tells me that I cannot consolidate the 2 because it would count as a cashout and I cannot cash out on an investment property in Texas. Is that true and if it is, can I still refinance one of the 2 loans?

Like | Dislike | Share | Posted: Fri, 03/06/2009 - 16:10 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I would suggest you to speak to other lenders. This will help you to know whether you will be able to refinance both the loans or not.

Like | Dislike | Share | Posted: Sun, 03/08/2009 - 23:06 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I'm being told I can't utilize an A6 loan because we have an Agriculture Exemption called Open Space Land. We can refinance, but not get cash to pay off other bills. Anyone know about this?

Like | Dislike | Share | Posted: Wed, 03/11/2009 - 18:13 | Post subject:

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