Late payments Question
Hi Dave, I believe you you are meaning to state you had a 30 day late as lenders only report late payments in 30 day increments. Refinancing with 1 x 30 day late is possible depending upon the reason for the late .... another words was their an medical or other event that caused it that can be explained to the...

cash out question?
Typically is the best way to get the money your looking for at a competitive and fixed interest rate. Home Equity loans can be an option as well, however they are higher interest rates and if a line of credit, variable rate. Call me if you would like to run some quick numbers to see what makes sense. Brian...

do i need to order an appraisal before i refinance?
Traditionally lenders will order appraisals depending on the initial credit approval of the borrower. It is possible to not have to do an appraisals in today market. Call me to discuss for further details. Brian Ramsey NMLS #183144 / Branch Manager at Desert Capitol Services.. direct line:...