Anyone who tells you this is lying.  

They are called “prepaid” for a reason because you were going to pay them whether you refinance or not.

I am looking to build a house in lake county. pls let me know if there are builders whom I can reach out to?

You may always pick up Umbrella insurance on your property in your name in the meantime. 

You can do as little as 0% down and maybe even get money back at closing if you can implement seller credits into your offer during the inspection period or prior to going in contract. 

The information contained in this post is not to be relied upon.

Until you break that log jam the market is going to largely stay frozen.

I'm looking forward into developing my roots in the community! 

After 30 months I will have paid the loan down a little, forced appreciation, might have a little market appreciation and hopefully interest rates are lower in 30 months then they are now.

Quote from @Daniel Barnett: Go to GET STARTED > EVENTS AND MEETUPS at the top of your screen.