Rating: 2 Posted By: neoinvestor Views: 207 Replies: 14 Hi FWFers! Long time lurker first time post. Hoping to discuss my situation if I should do a cashout or no cashout refinance.Here's my situation:bought my first home last year(~$700k)20% down and financed the remaining 80%with a 30 year fixed rate at 4.125%home has appreciated $100k - $200kCredit score is above 740Quoted at 3.5% if I refinance for30 year fixed super conformingI'm looking to refinance to capitalize on lower rates; while researching, I saw the option to do a cashout refinance, which can allow me to borrow up to the the max for my type of loan while still maintaining a LTV of 80%.Should I consider this or just realize the savings in a lower monthly mortgage?
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