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kennethathens

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need information on home refinance for home improvement

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What information do you want?  You asked a very broad question that books are written on. If you can ask more specific questions you might get a clear response.

Basics

700 or better credit score

I would not do a HELOC, but either fixed second mortgage or cash-out refi

They will only loan you  80% loan to value of home, if you owe 70k on a home appraised at $100k, you can only refi for $80

Be prepaired to pay about $1,500-$5,000 upfront costs includingl escrow account (if you have one) deposit

You will get escrow (again if you have an escrow account) money back from current lender once new lender pays off old loan, so this should about balance with the deposit you gave the new lender, but is cash out of pocket for about 30 days

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