Can my lender refi my loan with out my signature or knowledge

I think you're confused.. there is no way in the world your lender could refinance your home without your consent, signature, and application, tax returns, pay stubs, w2's... etc.. if they are trying to convince you that you need to refinance, then that's one thing, but they cannot actually do it without you willing... 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. 480-287-5714 WilliamAcres.com

NO. They cannot, and probably have not. If they claim they have refinanced your home, ask them for a copy of the Note and deed of trust (or mortgage). Once you have this in hand, if you find that it is not the original Note and Deed of Trust (or mortgage) that you did sign, you will need to enlist the help of a real estate attorney to determine who committed the fraud. You will also want to make sure you are not confused as to what they actually did, and what they may be trying to encourage you to do. Many times the servicer of a loan will try to encourage the borrower to refinance. Just because they are trying, doesn't mean it is in your best interest. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com ~ 888-889-9950

your mortgage company cannot refi without your knowledge, are you married? two borrowers?? did you do a loan modifaction ??? a fha streamline?? if your old loan officer and not your mortgage company, did anything without your knowledge, then you have recourse...

I dont think you were refinanced. You would have to sign an orginal note to be recorded against the property.

Get a real estate attorney asap and figure out what is going on because 1. no one can refinance your loan but you, the borrower and 2. if this were done, there would be a completely new set of loan docs, disclosures, TIL etc., with signatures on them.

A refinance is paying off and closing out your existing loan and giving you a brand new loan. It is completely impossible for a lender do do this without your knowledge, permission, and many signatures. Something else is going on... call and talk to someone there until you completely understand whatever is happening.

Not without having someone fraudelty forging your name to the closing docs. Contact the real estate attorney that "closed your loan". And ask to see a copy of the signed docs, see if it's your signature.Matt Elston; Mortgage Loan Originator, AgSouth Mortgages; melston@agsouthfc.com;office 803-324-1131, option 1