can i refi with about 20% equity in my home?

Absolutely. Of course there are other considerations to consider in determining whether you will qualify. I would be happy to discuss them with you and see if you can qualify, and equally importantly, whether the transaction will be beneficial for you. I'm happy to help with the financing or just give you advice. If you need more information, or a competing rate quote call, email or use my live support button to discuss or get in touch with me. Web Address for live chat or quote is: http://www.loansfromrob.com/quote/ Email is robertlh66@verizon.net and direct phone is 240-752-7549. Good Luck -- Rob Hanson

Rob is right. You can refi your home with 5% equity minimum. Feel free to contact us as well - www.winterwood.net or direct phone line 317-215-6687. As a mortgage broker, we have access to excellent rates as well as quite a few lenders that work with borrowers of all kinds of credit. Let's discuss if this would be right for you first as there are rules for total savings. I am looking forward to serving you and your family.Sincerely,Joel AsburyLoan OriginatorWinterwood Mortgage Group, LLCNMLS 383616/122171

Yes.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Sounds like a perfect file...