You have a great rate. I don’t recommend for you to refinance unless you have too. Just incase if you have to do to personal reason. Look on this web site to see if you can get a rate closer to that.

Call one of those places that say “We buy Houses”. They’ll negotiate the equity and pay off your house (hopefully).

If you’re in Southern California, and if your house doesn’t sell within 2 weeks of you moving, call me and I will buy it from you at a discount in your equity. Also, if you do end up getting a loan and decide you’re not going to pay the loan back and let the place go into foreclosure, I will still buy the place from you.

Regards,
Satar Naghshineh

That is a really good interest rate, you aren’t going to find anything cheaper than that. What you want to do is refinance, a HELOC will be a higher rate. But as eveyone is advising, stay where you are.

Cheaper interest rate? Stay where you are at! That is a great rate & no one will be able to beat it!

No matter what you will lose your equity. I doubt you will qualify for an equity loan if you aren’t making your mortgage payments. Why don’t you just try making your payments!

There’s not much out there if any without paying points. Stick with it.

You want to pay off your mortgage with a home equity loan? That makes no sense. Further, 5.15% is a lower rate than you will find anywhere now.

You won’t find a cheaper rate than that in this economy. Stick with your current rate until it adjusts.

That’s a darn good rate. I would stick with it. I don’t think you are going to get a rate lower than that.

utterly moving. a wonderful cinematic experience