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Can I refinance. Here's my Stats.
Bought in 2010Multi Family DueplexCurrent Owed 155,000Paid 161,000Current interest rate 5.275Currently have no MICurrently a Key Bank community loan not FHA or Fannie or Freddie.Currently a 30 year fixed rateCurrent payment $1200.00Zillow projected current value 162,000Currently certain parts of the house being remodeled.ThanksAlex
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First question to get answered in my opinion is if it is HARP eligible. If it is then you likely won't need an appraisal nor income and asset documentation. So call up Key Bank and ask them. They can probably handle it directly for you. And if you'd like a referral to someone else that can, I know several excellent choices. Feel free to reach out to me and I'd be happy to make a referral. If it's not HARP eligible, then it's a question of is it worth it to refinance with PMI or lender paid MI and the answer will likely be that it is. But, if it's HARP eligible, you wouldn't have to add PMI to make it happen, so that's going to be your best bet. If it is not HARP eligible, free to click on me and reach out if you'd like me to make to give you an offer on it.
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