refi? i JUST freaking refid. i can't do it again, right?

laurenpetro

i closed in either october or november.

i'm pretty SOL, right? 

NY's closing costs are CRAZY, like $10K and yes this is standard.  NY has a load of fees that NJ doesn't have.  i was able to avoid paying them because i went through my current bank and hadn't refid in 2 years.

so i'm pretty well screwed, right?

le'sigh.

mrs.marie.g

not necessarily. this is our 3rd refi on the house the one we did a few months ago. and two we did within a year of each other

can't hurt to see

or it can just piss you off more

Melanie2003

we've been in touch with someone for this - and i was surprised dh didn't get an email from hi9m yesterday because we left it at we'll act when #s hit xyz - and our closing costs in ny won't be $10k. i'm fairly certain it's under $5k.

but i'm not the lead on this and i only listen with one ear when he talks to me about it....

laurenpetro

mrs.marie.g:

not necessarily. this is our 3rd refi on the house the one we did a few months ago. and two we did within a year of each other

can't hurt to see

or it can just piss you off more

lol, this is what i'm thinking.

laurenpetro

Melanie2003:

we've been in touch with someone for this - and i was surprised dh didn't get an email from hi9m yesterday because we left it at we'll act when #s hit xyz - and our closing costs in ny won't be $10k. i'm fairly certain it's under $5k.

but i'm not the lead on this and i only listen with one ear when he talks to me about it....

PLEASE keep me updated.

i'll have to dig out the email address of the guy who handled it last time.  hmmm

turtle520

Now I'm totally going to call our mortgage company. We re-fied a year ago and I'd love to get in under 4%!

sister-friend-wife-mother

You can refiance again, you will have to pay the fees BUT you can roll the money into your mortgage payment if you want.  If the rate has dropped a lot and it makes sense you can do it.  Of course if the value isn't an issue (20%)

Scianc22

You can request a CEMA which is an assignment of the mortgage tax. You would only pay the tax again on new money meaning any amount borrowed over above the previous amount you paid the tax on. Lmk if you have questions jscianc@gmail.com