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80/20 mortgage what's the best scenario now?
I bought a fixer-upper 5 years ago and took out an 80/20 loan. The first loan is 5.25% for 30 years, the second (20%) is at 9.8%. I didn't want to have to pay nondeductible PMI and wanted the extra savings to go into the home, and have a deductible at the end of the year. I plan on staying in my home for 15+ years, are there better alternatives in refinancing? Any suggestions in stretching my dollars further?
2 Answers
- Anonymous1 decade ago
No reason to mess with your first. You did not state the amount you own on your second. If it is small, most companies do not want to deal with it. Just send extra on your second when you can and knock it out.
