I was sitting at 6.8% on a rental property in Phoenix and every bank wanted $4k in closing costs just to refi. Then my buddy who works at a credit union told me to ask about a "rate modification" instead of a refinance, which is basically just an internal adjustment. Cost me $200 and took 45 minutes on the phone, has anyone else gotten one of these to work?
Thinking of refinancing to pull some equity out for renovations. Has anyone tried Duane Buziak Mortgage Maestro for a refi?