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Simultaneous sale and refinance or stay put?

Written By: admin on July 17, 2009 One Comment

I have a dilema. I am in an ARM set to adjust in August 2008. I have a 12,500+ prepayment penalty that falls off in June 2007. If I refinance and keep the house I would have to get a new mortgage at around 0k. If I sell the house outright I could sell it for 0k. Should I sell take the profit and go into an apartment for a small while and save as I want to go out of state within 2-3 years. Sell my existing home and buy a cheaper home by rolling the profit from the sale of the home I am in now. Or should I stay in my existing home by refinancing and getting an FHA loan. My motivation to stay is to keep my daughter in her school which she likes and doesn’t want to leave. The buy of a new home in the area and an apartment would allow me to do so. Once she finishes 5th grade I plot on moving to the NC area.

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One Response to “Simultaneous sale and refinance or stay put?”

  1. Rebecca on: 17 July 2009 at 8:02 pm

    Reality, you have no profit if you are talking the difference between 400 and 430K. First you have NOT sold it for that so you don’t know what your offers would be and then the commission, moving expenses and on and on.

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