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1 Can You Refinance a Condo? - LendingTree
https://www.lendingtree.com/home/refinance/what-to-know-about-refinancing-a-condo/
The short answer is yes, you can refinance a condo, but it is important to know that there are several additional factors to consider when ...
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2 How To Refinance A Condo | Quicken Loans
https://www.quickenloans.com/learn/how-to-refinance-a-condo
Refinancing a condo is a great way to help you free up cash or save money over the life of the loan. Think about the type of loan that will work ...
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3 Condo Refinance in New York - MortgageDepot
https://mortgagedepot.com/condo-refinance-in-new-york/
Here's what you need to know when it comes to refinancing condos. 1. Determine your current payoff amount on the loan. First, contact your mortgage lender ...
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4 Compare today's condo mortgage rates - NerdWallet
https://www.nerdwallet.com/mortgages/mortgage-rates/condo
Check out condo mortgage rates and save money by comparing your free, customized mortgage rates from ... Check out our other mortgage and refinance tools.
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5 How to refinance your condo - HSH.com
https://www.hsh.com/refinance/how-to-refinance-your-condo.html
If you've moved out of your condo, the rules change because, as Lopatin explains, your loan will be considered an investment refinance. That means your interest ...
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6 Condo Refinance Rates| Condominium Mortgage Refi
https://www.refinancemortgagerates.org/refinance-a-condo/
When looking to refinance mortgage rates, condo properties are often considered by many lenders to be a high risk refinance. This can mean condos are more ...
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7 Can I Refinance My Condo if It Increased in Value?
https://homeguides.sfgate.com/can-refinance-condo-increased-value-61503.html
Condominium mortgages can be refinanced as long as they meet the lending guidelines of Fannie Mae or Freddie Mac or the Federal Housing Administration. Condos ...
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8 Refinancing Your Condo: Complete Guide About Rates and ...
https://www.nyrentownsell.com/blog/refinance-condo/
The Process of Refinancing Your Condo · Determine Whether or Not you Qualify for Refinancing · Begin the Application Process · You'll be Provided a Loan Estimate.
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9 Today's Mortgage and Refinance Rates in New York - Bankrate
https://www.bankrate.com/mortgages/mortgage-rates/new-york/
Available for 1-4 family homes, cooperatives and condominiums. In addition, SONYMA also offers a down payment assistance program that includes the following ...
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10 How to Refinance Mortgage if Condo Project Not Approved
https://www.freeandclear.com/community/refinance-mortgage-on-condo-if-project-not-approved
When you apply for a refinance on a condo, the lender determines if your condominium project meets Fannie Mae, FHA or VA guidelines, ...
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11 There Has Never Been a Better Time for Co-ops to Refinance
https://www.habitatmag.com/Publication-Content/Legal-Financial/2020/July-2020/There-Has-Never-Been-a-Better-Time-for-Co-ops-to-Refinance
HOW LEGAL/FINANCIAL PROBLEMS ARE SOLVED BY NYC CO-OPS AND CONDOS ... Underlying mortgage refinance, interest rates, coronavirus pandemic, co-op boards.
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12 Mortgage Loans Rates Westchester County - Refinance
https://www.csrealty.com/calculate
Westchester Mortgage Refinance Pre-approval - qualify FHA. ... Westchester Condo Experts - New York State Licensed Real Estate Brokers.
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13 Condo Refinance Loans - Luxury Mortgage
https://luxurymortgage.com/condo-refinance/
Luxury Mortgage offers refinancing solutions for warrantable and non-warrantable condos throughout much of the United States.
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14 How to Refinance a Condo - Stem Lending
https://www.stemlending.com/refinancing-condo/
Refinancing a condo using a conventional mortgage differs from refinancing a traditional house in that the condo or planned unit development ( ...
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15 How to Refinance Condos | Budgeting Money - The Nest
https://budgeting.thenest.com/refinance-condos-21025.html
You own a condo that has everything you need for comfort and convenience. The only problem is your mortgage interest rate is higher than the current loan ...
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16 When to Refinance an Underlying Mortgage
https://cooperatornews.com/article/when-to-refinance-an-underlying-mortgage
In fact, overarching loans for an entire condo association or community are exceptionally rare. While Winter says he has done literally hundreds of underlying ...
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17 Refinance Your Mortgage: Why, When, and How... | CityRealty
https://www.cityrealty.com/nyc/market-insight/features/get-to-know/refinance-your-mortgage-why-when-how/28844
The trick is knowing why, when, and how to refinance so you don't end up losing ... Doorman Condo in Turtle Bay/United Nations (Manhattan).
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18 What's Different About Getting a Condo Mortgage?
https://www.mortgageloan.com/whats-different-about-getting-condo-mortgage-9895
How Refinancing Can Hurt Insurance Rates. A mortgage refinance may have some negative consequences that you never… Kara. Written by. Kara Johnson.
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19 Is Refinancing My Mortgage a Good Idea? - Investopedia
https://www.investopedia.com/ask/answers/09/refinancing-mortgage.asp
Fees can range between $100-$700 a month. If the home you buy is in a homeowners or condo association, you will have to pay a monthly fee for things like ...
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20 4 good reasons to refinance your super's apartment
https://www.brickunderground.com/blog/2013/07/4_good_reasons_to_refinance_the_super_s_apartment
Condos and co-ops refinance the mortgage on the super's unit for lower interest rates, to pull cash out for capital improvements, ...
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21 Refinance Rates - Today's Rates from Bank of America
https://www.bankofamerica.com/mortgage/refinance-rates/
Interested in refinancing your mortgage? View today's mortgage refinance rates for fixed-rate and adjustable-rate mortgages to see if you could lower your ...
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22 New York Lender Provides $235M for Elser Condo Refi
https://commercialobserver.com/2022/09/new-york-lender-provides-235m-for-elser-condo-refi/
The refinancing is for the newly built Elser Hotel & Residences in Downtown Miami. The lender is Franklin BSP Realty Trust.
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23 Non Warrantable Condo Financing: Mortgage, Refinance Loans
https://www.nonqmhomeloans.com/non-qualified-mortgages/investment-property/nonwarrantable-condo-loans/
NonQMHomeLoans.com provides non warrantable condo loans for non-conforming condos. Find out more here.
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24 Condo Refinancing Loans | Low Rates & Fees
https://mortgagecenter.com/Condominium_1079.html
Our Condominium Loan allows you to save time & money on your condominium refinance by offering low rates and fees. Apply online to learn how much you can ...
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25 Refinance Calculator | Know Your Options
https://www.knowyouroptions.com/find-resources/information-and-tools/financial-calculators/refinance-calculator
Our refinance calculator can help you determine if refinancing your mortgage loan makes sense. Refinancing may be an option if you have high-interest rate ...
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26 FHA Loans for Condominium Units in 2022 (FHA Condo Loans)
https://www.fha.com/condominium
Buy or Refinance a Home? ... Credit Score Requirements as Low as 580. FHA loans are the #1 loan type in America. Many people who can afford the monthly mortgage ...
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27 Compare Today's Refinance Rates - Zillow
https://www.zillow.com/refinance/
Answer a few questions about your loan preferences to see customized refinance rates from multiple lenders. Where are you buying/refinancing? Get started. Rates ...
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28 B2-1.3-03, Cash-Out Refinance Transactions (10/07/2020)
https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B2-Eligibility/Chapter-B2-1-Mortgage-Eligibility/Section-B2-1-3-Loan-Purpose/1032996711/B2-1-3-03-Cash-Out-Refinance-Transactions-10-07-2020.htm
Delayed Financing Exception; Student Loan Cash-Out Refinances; Loan-Level Price Adjustments. Eligibility Requirements. Cash-out refinance ...
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29 Condominium Unit Mortgages - Freddie Mac - Single Family
https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/condominium-unit-mortgages
Determining Condominium Project and Mortgage Eligibility ... self-study tools and resources to originate Refi Possible refinance offering.
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30 Required Documents for a Refinance
https://communityfirstmortgage.com/refinance/required-documents-for-a-refinance/
› Refinance
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31 How to use a cash-out refinance to buy a second home
https://themortgagereports.com/41146/how-to-use-a-cash-out-refinance-to-buy-another-home
There are a few basic things you should know before you apply for a cash-out refi: Cash-out refinancing replaces your current mortgage balance with a larger ...
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32 Mortgage Refinancing | Wells Fargo
https://www.wellsfargo.com/mortgage/mortgage-refinance/
A simplified online application makes it easier to apply for a mortgage refinance with Wells Fargo. Use our refinance calculator to find your rate.
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33 Mortgage Refinance of your home or condo
https://goldcoastmortgage.com/refinancing-my-mortgage/
Refinancing to lower the interest rate on your mortgage is not always advisable. Read here on how to avoid mistakes in refinancing.
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34 Fractured Condominium – Cash Out Refinance
https://taurocapitaladvisors.com/transaction/fractured-condominium-cash-out-refinance/
Fractured Condominium – Cash Out Refinance. Ontario, CA. $9,050,000. Funding Purpose. Refinance high interest rate $8 Million loan with superior terms and ...
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35 Today's home refinance rates | Chase.com
https://www.chase.com/personal/mortgage/refinance-rates
Are you thinking of refinancing your home mortgage? Chase offers competitive mortgage refinance rates. See which of the current refinance rates work for ...
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36 Mortgages for Condos & Townhomes | Financing Options 2022
https://mymortgageinsider.com/condo-and-townhouse-loans-differences-and-similarities/
By refinancing an existing loan, the total finance charges incurred may be higher over the life of the loan. PRIVACY · TERMS; Cookie Settings ...
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37 Refinancing | Regional Housing Services Office
https://www.rhsohousing.org/resident-services/pages/refinancing
The following is a summary on how to refinance your first mortgage or to obtain a ... to obtain an appraisal and list the condominium fee, if applicable.
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38 Mortgage Refinance Options - Middlesex Federal
https://www.middlesexfederal.com/personal/home-loans/home-refinance
Discuss how you can benefit from a mortgage refinance with a Middlesex Federal ... Service | In House Loan Servicing | Quick Close | Condo Specialists.
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39 Mortgage and Home Loans - USAA
https://www.usaa.com/inet/wc/bank-real-estate-mortgage-loans
What kind of home loan is right for me? · VA Purchase Loan · VA Interest Rate Reduction Refinance Loan (IRRRL) · VA Cash-out Refinance Loan · Conventional Purchase ...
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40 West Condo Owners Association - Refinance and Resales
https://www.westresidents.com/refinance-and-resales
Refinance and Resales. For lender questionnaires, escrow and resale certificates, and demand payoff letters, place document order at www.homewisedocs.com.
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41 Streamline Refinance Your Mortgage - HUD
https://www.hud.gov/program_offices/housing/sfh/ins/streamline
Cash in excess of $500 may not be taken out on mortgages refinanced using the streamline refinance process. Investment Properties are only eligible for FHA ...
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42 Resale/Refinance Documents and Association Questionnaire
https://www.riveroaksedgewater.com/about-1/association-documents/
Defines the River Oaks Condominium Association, Inc., including the purpose and objectives of the corporation, the corporation's powers and duties to carry out ...
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43 Why Title Insurance - Refinance - Memphis Title Company
https://www.memphistitleco.com/default.aspx?tabid=497
Today's lower interest rates have spurred you to refinance your mortgage. ... If you're refinancing a condo, bring a Certificate of Insurance instead.
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44 HOA Document Requests for Sale and Refinance
https://eglproperties.com/hoa-document-requests-for-sale-and-refinance.aspx
As part of the sale of a condo, or for the refinancing of a loan on a condo, the transaction typically requires the Homeowner Association (HOA) to provide ...
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45 Fannie Mae Condo Guidelines: Condo Approval Process
https://www.accunet.com/what-you-need-to-know-about-condo-financing/
From Fannie Mae condo guidelines to alternate financing, Accunet Mortgage has ... The buyer/owner is putting at least 10% down (or has 10% equity on a refi).
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46 Mortgage Refinance | New American Funding
https://www.newamericanfunding.com/refinance/
coins in front of a model house | Mortgage Refinance Refinancing replaces an existing mortgage with a new one, and you can customize details on the new loan ...
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47 Q: What can I do to refinance my condo in a FEMA flood zone?
https://www.allpropertymanagement.com/resources/ask-a-pro/posts/refinance-my-condo-in-fema-flood-zone/
Securing flood insurance coverage is the responsibility of the boards of directors and you may not have recourse to refinance your flood zone condo.
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48 Mortgage Servicing - HPD - NYC.gov
https://www.nyc.gov/site/hpd/services-and-information/mortgage-servicing.page
If you seek to refinance your mortgage, sell or otherwise transfer ownership of your ... Owner-occupied one- to four-family homes or condo/co-op apartments ...
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49 Refinance Jumbo Loans - Quintessential Mortgage Group
https://qmgllc.com/refinance-jumbo-loans/
Refinancing Jumbo Loans. Looking to refinance? The opportunity to take equity out of your property is a key benefit associated with owning real estate, ...
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50 Mortgage Refinancing Rates | Supreme Lending
https://www.supremelending.com/Compare-Loans/Refinance-Loans
Refinancing an existing loan can leave your rate and finances in a better place. Contact a Supreme Lending Mortgage Professional today so we can guide you.
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51 Mortgage Calculator
https://www.mortgagecalculator.org/
Our calculator includes amoritization tables, bi-weekly savings estimates, refinance info, current rates and helpful tips. This site also provides users ...
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52 Refinance a Rental or Investment Property - Citizens Bank
https://www.citizensbank.com/learning/refinancing-investment-property.aspx
Calculate the refinance break-even point by factoring in all upfront costs of refinancing the loan and how much you'll save each month.
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53 A Co-op's Guide To Refinancing an Underlying Mortgage
https://goncharrealestate.com/resources/a-guide-to-buying-and-financing-a-co-op-condo-or-residential-home-in-new-york-city/
Buying or financing a condo in New York City? Use this guide by Eric Gonchar to protect you and your loved ones.
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54 Cash Out Refinance of Condotel Units - Loan Consultants
https://www.loanconsultants.org/cash-refinance-condotel-units.html
A condo owner legally owns 100 percent of the interior space of the unit. If there are 50 units in a condominium project, the owner has complete ownership of ...
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55 Condo inventory loans: how condo developers refinance
https://blocksandlots.com/condo-inventory-loans-how-condo-developers-refinance/
Condo inventory loans: how condo developers refinance ... A developer takes out a condo inventory loan when they need to adjust the financing of a ...
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56 Refinance Calculator - Should I Refinance? - SmartAsset.com
https://smartasset.com/refinance/refinance-calculator
Award Winning Calculator determines if Refinancing makes sense using live mortgages and real data. Find out now exactly how much you can save or cash out ...
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57 Cash-Out Refinance Loan - Benefits.gov
https://www.benefits.gov/benefit/1507
The Department of Veterans Affairs (VA) Cash-Out Refinance Loan is for homeowners who want to trade equity for cash from their home. These loans can be used ...
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58 Refinance Documentation Checklist - Foundation Mortgage
https://www.foundationmortgage.com/mortgage-learning-and-resources/refinance-mortgage-documentation-checklist
About Mortgage Financing | Speak with a Local Refinance Home Mortgage Banking Expert for an explanation of the common documents required to underwrite a ...
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59 Buying a Condo With a VA Loan - Veterans United
https://www.veteransunited.com/futurehomeowners/va-condo-loans/
Buying a condominium with you VA home loan benefit is a great option. However, there are additional requirements that differ from purchasing a single-family ...
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60 Refinance Your Home Mortgage Loan | Embrace Home Loans
https://www.embracehomeloans.com/refinance
Let Embrace Home Loans help refinance your mortgage with options that fit your needs. We will make refinancing your home loan easy - get a free quote today!
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61 Mortgage: Refinance Rates & Terms - SchoolsFirst FCU
https://www.schoolsfirstfcu.org/gateway/schoolsfirstfcu/rates/mortgage-refinance
Eligible properties primary residence single-family homes, condominiums and manufactured homes. Mortgage Insurance is required on all FHA loans.
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62 Do I need flood insurance if I refinanced my home?
https://www.helpwithmybank.gov/help-topics/mortgages-home-equity/flood-insurance/flood-refinance.html
When I bought my home, it was not in a Special Flood Hazard Area (SFHA), but when I refinanced my ... non-condominium residential structure is the lesser of.
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63 How soon after purchasing my home can I refinance?
https://blog.movement.com/2020/05/05/how-soon-after-purchasing-my-home-can-i-refinance/
With interest rates at historic lows, refinancing is popular among ... soon can you (or should you) refinance after buying a house or condo?
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64 NH Real Estate: A Refinancing Checklist.
https://realestatelawyernh.com/borrowers.htm
Condominium Lien Release: If the property is a condominium, you will need to contact a statement from the condominium association indicating that all condo fees ...
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65 What Barack Obama Learned When He Refinanced - TIME
https://time.com/nextadvisor/mortgages/mortgage-news/barack-obama-mortgage-refinance/
Years before he became president, Obama pulled $40000 of equity out of his Chicago condo. It was simple — almost too simple, he writes in ...
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66 Refinance | Seattle Credit Union
https://www.seattlecu.com/refinance
Refinancing your mortgage can help you reduce your monthly payment, lock in a fixed rate, or pay your home off sooner. Learn about our mortgage refinance ...
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67 Condo Refinance Downtown LA $545,000 - FK Capital Fund
https://fkcapitalfund.com/portfolio-items/condo-refinance-downtown-la-545000/
Condo Refinance Downtown LA $545,000admin2017-01-25T19:09:25-08:00. Project Description. Project Details. Categories: Closed Transactions.
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68 Non-Warrantable vs Warrantable Condos: Rules and How to ...
https://www.valuepenguin.com/mortgages/non-warrantable-vs-warrantable-condos
A warrantable condo is one that a homebuyer can finance using a conventional mortgage, after having been approved under a set of guidelines ...
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69 How To Get a TIC Mortgage and Refinance a TIC - Andy Sirkin
https://andysirkin.com/tenancy-in-common-tic/essentials-for-buyers-and-their-realtors/getting-a-tic-mortgage-loan/
Individual TIC mortgages have interest rates that are generally one-half to one percent above rates for condominium loans. TIC loans are available with fixed- ...
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70 Condo Loan in New York & Pennsylvania
https://www.artisanhomemortgage.com/loan-programs/condo-loans.html
Research condo loans in New York & Pennsylvania through Artisan Mortgage Company and get ... and cash out mortgage refinance options, call (833) 844-0141.
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71 Panama City Beach, Florida Condo Cash Out Refinancing
https://southchasemortgage.com/f/condo-cash-out-refinancing-in-panama-city-beach-florida
May 23, 2022|Cash-Out Refinance, Condos, CONDOTELS, Florida, Investment Property, Panama City Beach, PURCHASES, Second Homes, VA. Cash Out Refinancing in ...
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72 Refinancing your Executive Condominium | DBS Singapore
https://www.dbs.com.sg/personal/loans/homeloans/refinance-executive-condominium
Refinancing your Executive Condominium. Make the most of refinancing to enjoy potential savings on your home loan.
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73 FinanceMiami Arranges $17000000 Cash-Out Refinance 100 ...
https://financemiami.com/commercial-real-estate-loans/2022/04/19/financemiami-arranges-17000000-cash-out-refinance-100-unit-wynwood-condo-asset/
FinanceMiami has arranged $17000000 in financing secured by a 100-unit condo property in Wynwood, Miami, Florida. “This deal was not without ...
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74 MassHousing Mortgages - Mass.gov
https://www.mass.gov/service-details/masshousing-mortgages
MassHousing loans may be used to purchase or refinance condominiums and 1- to 4-family homes. If you are interested in learning more, ...
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75 Today's mortgage rates in New York - U.S. Bank
https://www.usbank.com/home-loans/mortgage/mortgage-rates/new-york.html
Compare New York mortgage rates for the loan options below. Compare current refinance rates today. See refinance rates ...
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76 Why this recent change just made it harder to buy or sell an ...
https://www.cnn.com/2022/04/02/homes/us-new-condo-rules-freddie-and-fannie
In order to protect buyers and lenders, the rules ask condo and co-op ... to purchase homes and refinance mortgages in condominium and ...
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77 Refinance Financial Services | Lenox
https://weslend.com/lead-forms-v2/refi/type-of
What type of property do you want to refinance? House Condo Townhouse MultiFamily. ContactPrivacyAbout Us. ©2021 Lenox Financial Mortgage Corporation dba ...
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78 Refinance appraisal: What you can expect - Federal Title
https://www.federaltitle.com/refinance-appraisal-what-you-can-expect/
You're refinancing the mortgage on your home, and your lender tells you ... a refinance appraisal of my DC condo that took place this month.
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79 REFINANCE – Application Checklist - Municipal Credit Union
https://www.nymcu.org/disclosures_forms/refinance_application-0825.pdf
current HPD lien with the proceeds from this refinance. ... Coop / Condo Documents (Presale Requirements: CONDOS: 90% Sold, 70% owner.
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80 Mortgage Rates and Home Loan Options
https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html
Refinancing · Refinance your current mortgage with Navy Federal, and you could qualify for lower payments and better rates. · Second-Home Financing. You can own ...
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81 Can I Refinance My Mortgage Without an Appraisal? - Experian
https://www.experian.com/blogs/ask-experian/can-you-refinance-a-mortgage-without-an-appraisal/
You can refinance several types of mortgages without an appraisal, ... you'll need to have a single-unit home or condominium and be within ...
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82 Sales / Refinance - Forth Group
https://forthgrp.com/sales-refinance/
All orders for Lender's Condo Questionnaires, 22.1 Disclosure and Paid Assessment letter through www.homewisedocs.com. Note that the Paid Assessment Letter ...
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83 Refinance Mortgage Rate - Fidelity Home Group
https://www.fidelityhomegroup.com/mortgage-refinance/
Refinancing a mortgage; Reduce monthly mortgage payments. Shop for the best mortgage refinance rates; today's mortgage refinance rates,
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84 Current Refinance Rates - 30 Year Fixed Florida Lenders
https://www.erate.com/home-refinance-loans/florida/rates
Looking to refinance your existing mortgage loan? ERATE® helps you compare today's home refinance loan rates in Florida. Select from popular programs like ...
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85 SDCCU Home Mortgage Loan Rates
https://www.sdccu.com/rates/home-loan-rates-and-terms/
Condos, manufactured homes and 2-4 unit properties will have adjustments. ... You can apply to refinance your mortgage or apply to purchase a new home ...
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86 Exciting News for Freddie Mac Condo Loans!
https://sandiegopurchaseloans.com/exciting-news-for-freddie-mac-condo-loans/
Thanks to new guidelines, Freddie Mac condo loans are even more accessible. Find out how you can get approved for an affordable loan on your ...
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87 Statement of Account (SOA) for Refinance and Other
https://magnoliapm.net/statement-of-account-soa-for-refinance-and-other/
Statement of Account for Resale ($75.00 | 2-5 business days) • Refinance ($75.00 | 2-5 business days). Association*. Airport Heights Property Owner's ...
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88 Get a Home Loan: Compare Today's Best Lenders - Credible
https://www.credible.com/mortgage
The size of the down payment you're able to make — or how much home equity you'll have after refinancing into a new mortgage — can also be a ...
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89 Should you refinance your mortgage? | MoneyUnder30
https://www.moneyunder30.com/what-to-consider-before-refinance-mortgage
Refinancing your mortgage could save thousands off your repayment, ... and you can refinance a single-family home, condo, or duplex, ...
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90 How to Successfully Cash-Out Refinance a Rental Property
https://www.stessa.com/blog/cash-out-refinance-rental-property/
Make your real estate investment go further with our guide to cash-out refinance for your rental property.
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91 HomeWiseDocs: Resale Disclosures and HOA Documents
https://www.homewisedocs.com/
Community Managers. Use HomeWiseDocs to simplify the complex and time consuming tasks of disclosing information for the sale or refinance of properties within ...
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92 Home Loan Refinancing - VyStar Credit Union
https://vystarcu.org/personal/borrow/home-loans/home-loan-refinancing
Refinancing your home loan could save you money or allow you to take ... private mortgage insurance, condo document fees, homeowners association fees, ...
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93 Refinance Your Mortgage or Use Your Home Equity - CIBC
https://www.cibc.com/en/personal-banking/mortgages/resource-centre/mortgage-refinancing.html
Thanks to lower interest rates, refinancing can free up cash to help you pay off high interest credit card debt. When you exchange your existing mortgage for a ...
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94 30 Year Fixed Rate Mortgage
https://www.rate.com/mortgage-rates/assumptions/30-year_fixed_conforming
Guaranteed Rate assists you with a low cost home purchase, refinance mortgage & fast closings. See why Guaranteed Rate is the best mortgage lender in the ...
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95 What Is Title Insurance And Do I Need It? - Forbes
https://www.forbes.com/advisor/mortgages/title-insurance/
A discount may be available when you're refinancing if your loan is less ... advice on where to find the lowest mortgage or refinance rates, ...
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