is it a good time to refinance

YES.. rates are on the rise, so now would be a good time to refinance.. start by contacting a local mortgage broker and apply with them.. because they deal with multiple lenders, they can offer a variety of loan products seeking out the best terms for your particular scenario, which compared to a local bank, they would usually have only a few loan options.. and If you don't fit in their small confined lending guidelines, your denied.. You don't order the appraiser, the lender does.. If you hire an appraiser independently of the lender, the lender will not use it and you would have wasted your money.. New laws mandate that the appraiser be independent of the parties involved in the transaction.. there can be no relationship between the home owner, lender, or title company.. for this reason, lenders are required to use an appraisal management company when ordering appraisals.. As far as carbon monoxide detectors... No, you are not required to have them, but if you do have them, they must be working properly.. .. 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

Sorry.. disregard the first post.. YES.. rates are on the rise, so now would be a good time to refinance.. start by contacting a local mortgage broker and apply with them.. because they deal with multiple lenders, they can offer a variety of loan products seeking out the best terms for your particular scenario, which compared to a local bank, they would usually have only a few loan options.. and If you don't fit in their small confined lending guidelines, your denied. 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