I have upsidown property in LA , the current difference between loan and property value is approx 75K.
I have 6% rate with 235 loan for 30 years. I got a refinance proposal that will cost me 1785 APR cost and $1981 non-apr fees for 20 years at 4.34 rate.
The difference will be 133 dll less of what i paid now. The monthly rent is 1750 and the current loan payment is 2090. If i refinance i will just paid 133 from my pocket every month.
I wish I can sell the property but it is very hard so I am just waiting to see if the market get better so I can sell with not much difference.
I need advice if is worth it to refinance in this terms.
Thanks in advance
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8 hours ago - Los Lunas
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