does it cost anything to refi with another lender??
Hi Kay, All loans have closing costs; however they are paid to the new lender and the title and escrow company handling the transaction. You should not pay any fees to the old Lender but, you would want to be sure you do not have a pre-payment penalty in your current loan. Hope this helps.Kat Whitman

I want to purchase a home for $700,000 in Corona, California. I can put 20%-25% as a down payment.
I would be happy to help you look at getting an approval.Is this for a Primary Residence?kat@whitmanmet.comYou can see my customer reviews on Zillow, as well.Kat Whitman

I purchased my condo 4 yrs and 6 months ago at 5.25% 30 yr fixed mortgage. My current monthly mortgage payment is 1381.00. I've been offered re-financing at 4% APR 30 yr fix mortgage and the new payment will be $1296. Is it worth getting the refinancing?
Yes - it is worth it to drop the rate but, have you considered a shorter term, if you can afford and qualify for one i.e. 25 year or 20 year loan?

What are the type of cash deposits that are questionable for mortgage?
hey Thuy...this is Kat - is this the Thuy I know? :)You would have to have all deposits sourced.

I had a couple of late mortgage payments about 14 months ago. Will I still be able to re-finance?
As long as not in the last 12 months you should be able to refi, no problem!

Looking for a VA loan. Moving from Alaska to CA
Happy to help Jason - do you ave any specific questions?You can find me on Zillow for references...Kat Whitman

I have a 687 credit score. What are the approval chances to buy a new home with only 20% down, first time buyer, purchase price $4489,000?
Hey BrandyIf you have not had lates in the last 12 months, you should be able to obtain a loan. Depending on your credit profile, you may have some items to address. There are several options. It is easier to figure out the best strategy, once we know all the details. Feel free to call me, I have very...