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Real Estate
Reply to "Refinance - locked rates and now rates have dropped"
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[quote=Anonymous]Lending laws have changed and you can no longer take an appraisal with you. Talk with your loan officer and ask them about a float down. See if you can get it for free at first. If not, see if the expense makes sense given the potential savings. A good loan officer can break this expense down for you. Before you consider pulling the loan and changing lenders, keep in mind that if you miss the settlement date because you changed lenders that you may be considered in default and your escrow deposit could be at risk. Remember, you did choose to lock your rate and once you do, those funds are tied up with the lender. As I tell my clients, once you ratify a contract, its rate roulette. [/quote]
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