Until now, my salary was not too high, but it jumped into the six figures, and it should keep going up due to experience, new assignments, etc.... so I can't help start thinking about taxes and how to start being smart about my finances.

He is also shopping for sub contractors for too long and leaves total only one or two of his low level workers un-supervised with no foreman 80% of the time.

Picking the right bank/lender is also important making sure its not a small broker or unknow lender who ight have credit line restrictions, Overlays, Not a direct lender or fully delegated.Keep in mind when shopping for a good rate/costs that rate quotes must follow Wall Street and that means rates are only available Monday-Friday from 10AM-5:30PMEST. 

If the property can cashflow while supporting the note I think it would be smart to access the equity you need and keep the house.

Yes, will have to shop around.

Otherwise you'll be shopping lenders to get what you want. 

Also, buying in the Winter can save you money so your timing is good as long as you don't mind shopping in the cold dark nights.

Is this what everyone is doing already and I only think i'm smart for having thought of it?

And suggest if you think a home refinance is a smart move at this stage.Thank you.

@Miguel Bautista Shop around.