What has changed in 90 days to think you qualify for a lower rate?
Check your current mortgage, if you rolled some closing costs into the loan .. there is usually like a 3 year period in which you can't refinance without penalty (even if you have no prepayment penalty)
Otherwise, I think most lenders require at least 1 year from date of purchase before they will refinance a property.... more
Was she the listing agent? Sometimes agents don't want to work as a dual agent, or transaction broker (and some states won't allow it). Why not hire your own REALTOR as your Buyer's Agent?? This is the best way to buy a home. The listing agent is working for the seller, not you.... more
I would recommend finding a place to rent for 6 months to a year in Wilmington first. That will give you the time to get familiar with the neighborhoods and choose a home that is well suited for you. If you need help in that area, please visit our website or send me a message.
I am sorry for your loss but I hope that you will find peace and solitude in a new start.... more