Any advice is appreciated
The amount of time you have lived in your home is not as relevant as the equity, difference between market value and amount of mortgage balance, and current middle credit score. In the event you qualify for a HELOC, you will pay interest only ont he amount you draw from the Line of Credit, whereas a loan is...

Should I use my 401k to pay off the mortgage?
No, I do not recommend using your 401(k) to payoff your residence. I encourage you to contact the bank and discuss the options they are currently willing to offer to you. If the 1st and 2nd mortgages are with different lending institutions, contact the 2nd mortgage company first and see what solutions...

Where do I find commercial real estate refinance loan for building with office over retail?
If the building is at least 51% owner-occupied, I have an SBA 7(a) loan product that can assist with the refinace request. Please contact me directly at 1-800-223-1700 ext 435 to discuss the transaction or you mail email me at dmurphy@oceancapitalonline.comOcean Capital is a PLP Lender with the SBA....

Where can I find an appraiser?
While you may shop around for appraisal quotes, the lender will engage the appraisal company directly. The appraisal report is the property of the bank, however, You are entitled to a copy of the appraisal report. The cost of the appraisal will be disclosed in the Good Faith Estimate and the rear of the...