I am a licensed realtor based in Atlanta, Georgia, and I am currently working on obtaining my mortgage origination license.

There are lenders that will do 0% origination, but fees and rates are like two levers that usually have an inverse relationship.

Quote from @Jonathan Blanco: Is it worth seeking lenders with $0 lender fees (such as origination, processing and underwriting fees) or do they just get that money by increasing rates and charging higher points?

Originally posted by @Clinton Williard:@Cameron Price I need to talk to you soon.

The buyer completely takes over the original loan for all legal, tax and practical purposes.

Is there any way I can lower the property taxes to the original amount?

I think one important note that I omitted from my original post was some background info.

If not, sticking with your original plan, staying in the condo, and waiting for a better refinance window could be the way to go.

@James Boreno You’ll likely owe taxes, but don’t forget to account for your adjusted cost basis, which factors in the original purchase price, depreciation over 10 years, and any capital improvements.

In other words, not resold to the government so the bank had more flexibility on the condition.I look at the original commitment letter and it states "xxx amount will be advanced at closing for the purchase of an investment property, and the remaining balance of the loan to be placed into an escrow account to be disbursed as improvements are made".No points, and only one closing, so I don't have to deal with a short term HML that I have to refinance in under a year.Hope that helps!