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Who to refinance with?


nolanryan
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for example, Patelco has rates as low as 3.39% for up to 125% LTV if you shorten to 48 months.

 

You can play with the math and decide if the hassle of getting a new loan is worth the few hundred you'd save. Paying more principle each month can have the same effect as getting a lower APR (and lets you avoid having a new tradeline report and affect AAoA if that matters to you)

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Like hegemony states, it would help you if you knew what LTV you need to refinance,  And then you need to know how a prospective lender calculates an LTV.   

Then you calculate the advances to see if you can borrow enough money.    Then choose the lender that will offer you the most money at the rate you think is acceptable.

 

Then you tender application to your selected lender(s).

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