There are some good people in business, but there are also nasty, hateful people that will cut your throat for few bucks.

A place like Figure will likely deny you, from my understanding they're focused on the cleanest cut scenarios.

I would not waste a lot of time on a paper about damages either.

Rates are set to come down in the next 12 months and it would be a waste to spend thousands on buying points when you can refi later. 

As far as just a clean cut away?

It will be interesting to see what happens if we get a Fed rate cut or two before the end of the year what will happen. 

Get a camper, paint it brown or black, cut out a window, put a college kid inside and sell coffee.

Stop hanging out with your deadbeat buddies that spend all day drinking, talking sports, and otherwise wasting away.

This should open the door for the Fed to hopefully consider a couple of rate cuts this year.

Something to keep in mind as well would be if there are any prepayment penalties on the existing loan that you've got as that would cut even further into the funds you'd be looking to take out.