An appraiser will give you a detailed report based on a thorough inspection and analysis of comparable sales, market conditions, and other factors.Remember, price estimates can vary and everything is an opinion to some extent.

The Fed only controls short-term interest rates, and mortgages are based on longer-term rates which are largely at the whim of the market.So, if a refi makes sense today, I would refi today.  

Is there any recommendation on an area that I should be looking to go based on budget .

Although the rate may be higher initially, buying down to a one-year prepay is an option.

If you have a clean file my LO can close 10-14 days after going under contract.Data for July indicates that we are seeing increased days on market, increased active listings, and will likely see increased new listings, so your agent should be able to find a solid house hack option in the Denver area within 2-4 weeks. 

In the end this is based on local law and your contract with the PM.

It's about 2-3 pages and says "Note" at the topPlease keep in mind this is based on today's no cost rate which changes based on the market Should you have any questions or require any assistance regarding this process, please do not hesitate to reach out to me.

Barron, Adler, Clough & Oddo (based in Austin Tx) is an exceptionally skilled eminent domain firm that knows how the US gov't lies and does not play fair with the border wall.

HELOC is another option too as long as your DTI can support it. 

If you wait at least 90 says from the purchase date - the options tend to open up for better rates and lower cost.