Best wish for a very smooth transaction. Obviously, I would be happy to help!
Good luck to you!
The higher the APR, the higher you will actually end up paying.
You will find most on line lenders have a higher APR.
The costs of refinancing can be as high as s new purchase.
Seek out a back that will not insist on all new title work
Some even want a new survey.
Local banks can be great.
They know your town.
And there is someonne to actually go in and talk to.
You will not be on the phone with someone from NC
Local mortgage Brokers can also serve you well.
Ask friend about their experiences.
Ask a local Realtor. Their reputation rides on making good recommendations.