Hi everyone!

Sorry about the late reply.Many thanks for your reponse & advice. I’d definitely keep it in mind re being the guarantor for my bf. I’d definitely reconsider on that note…

To answer Terry’s question, I purchased the place for $315K in Dec-04 and haven’t done any valuation on the property as yet. My current loan is $240K.

Also, is it too soon to refinance?

Your expert advice would be appreciated. Thanks.

Take care
Renee

Take care
Renee