Do I have to get my proparty tax refunded before I refinance as FHA loan? I am in California. I payed property tax for all of next year last month but am concidering an FHA loan to refinance so that I will have a lower interest rate.

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Here’s the tale, I cosigned for a friend for her home since she would not qualify for a mortgage on her own. The agreement was she was supposed to remove me from the mortgage after one year by either refinancing or selling the home for profit. Well now it’s been 5 years and she [...]

i am in the last days of closing a refi and more questions than answers are popping up

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Trying to do a refi and I was told that even if you are at 80%, with a new FHA refinance it’s still mandatory to pay MIP for 5 years. Is this right?
Please don’t answer unless you are a broker or have other credentials to know the answer for sure.
Also, how much is paid [...]

So my hubby and I went to Wells Fargo March 7th to refinance our house. We gave the mortgage every single piece of paper he needed. Now, nearly 3 months later, it’s still is pending!?!?! I call him regularly and all he tells me is to keep waiting. What the heck? [...]

Our lender is suggesting we do an FHA streamline refinance, to go from 6.25% to 5.25%. She says because it is a streamline, though our income is not shown (as it’s not required) she can’t change the employer info on the forms. I got a better paying job since we bought, but my wife lost [...]