Cash out refinance is usually recommended if you are lowering the interest rate.

Especially with the sub 4 percent rates last 20 years! 

Looking to purchase my first home and was initially going to go the traditional fixed rate mortgage without buying down points with the assumption rates will go down in the next year or 2 and I will just refinance.

I notice a few comments from out of state lenders/brokers that are referencing what seems like the property taxes and/or transfer taxes, not mortgage recording tax.In NYC transactions, property taxes are pro-rated and sellers + buyers pay for the portion they're responsible for (depending on the calendar schedule of the county + closing date). 

Consider both median home prices and rental rates to align with your investment strategy.

It will work out better for him in the end because rent rates are increasing faster than social security income.

I am curious to hear if anyone has experience with a "better" RMS that has better data and can more accurately map rates. 

I have my own website, but I link over to that one once a guest clicks on Rates & Reservations.

Hi Ally, at what rate you're going to borrow money against your house equity.  

Plus the pass rates are lower for the CPA exams in a large majority of states compared to the BAR.