Here are my thoughts about your decision to refinance.Process:Understand your current loan terms.Check your credit score.Compare offers from different lenders.Get your property appraised.Submit your application and go through closing.Considerations:Current interest rates vs. your existing rate.Amount of equity built in one year.Closing costs and fees.Your long-term financial goals.It's a complex decision, so consulting a financial advisor or mortgage specialist might be helpful.

It’s always a good idea to consult a local real estate attorney and title company for more accurate estimates in your area.

I also do consulting from time to time to share how leverage and build a profitable holding company or fix/flip entity.

I’d recommend consulting with a lawyer who specializes in contract law to understand your options and how to protect yourself moving forward.

I do occasionally post about it on some of the social media sites for travel nurses, such as Travel Nurse Gypsy Housing for example. 

@Russell Brazil: I dropped off for a bit there because I was travelling and had not connectivity.

Unsurprisingly, nobody is following these travel advisories.

The Podio team at Citrix can you with this, and there are lots of third-party consultants like me to can help as well.  

Unfortunately, we are currently filled to capacity with consultations regarding Blacktip and are not taking any new consultations at this time.

Most importantly, whether you do it by directly engaging the seller or hire someone (agent, broker, foreclosure consultant and etc.), you must research the local laws and regulations, which are State specific.