You likely can just keep your original loans unless they loan sizes are large and rates drop enough to justify a refi.

I finally spoke to Luis who told me, "we definitely dropped the ball.

@Jacob NevarezGeneral red flags include many days on market (60 days+), few photos available online, under contract & reactivated multiple times, and no price drops if it has been on the market a while.

I can refinance when rates drop in the future. 

***Columbus Agents right now*** Columbus Uber drivers* I was gonna drop the white couch meme, but I figured I'd end up in BP jail for that one. 

If you’re looking for creative ways to maximize your outreach, feel free to connect or drop a comment.

What you can also do is take a look at any high interest credit cards that you can consolidate to maximize the monthly savings and reduce monthly total debt.Cash out refinance is tax free and cannot be touched or taken back but a Heloc can be reduced or closed if you miss a payment, credit score drops, or your DTI increases.

My accountant and bookkeeper have been dropping the ball and just seeing if there are sofware options available I may not be aware of. 

I'll be happy to share their contact, just drop me a line. 

His social proof is all about name dropping.