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I have been looking into doing a VA IRRRL loan. We currently have been in our home 2 yrs and have a 4.875% rate. We owe $141,889.19 on the home, with a payment of $1020.85. I would like to reduce the payment amount considerably if possible, but I am not sure this is the way to go. We also have a home equity loan on the house in the amount of $20k which I understand we cannot roll into this refinance?? Advise needed please!!
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Have you contacted your current servicer, they should be able to do this transaction without an appraisal. Most other banks will need an appraisal. Check with them and let us know.
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For Sale: $182,000
For Sale: N/A