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Conventional financing (Fannie Mae and Freddie Mac) now require 70% occupancy so you are going to have to look at refinancing with a local bank or credit union that may have a portfolio lending product (portfolio means that they are going to hold your note). You won't get 4.5% - most likely around 5.75%-6%.Question - why did you pay an extra $90,000 on your condo loan when you where having problems making your payment? The condo management company may also be able to help - they handle resale certs and condo questionaires for lenders - so they will know what lenders have been able to get financing approved on the condo.
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For Sale: $110,000
For Sale: $539,900
For Sale: $464,900