在考虑把自住的CONDO换成TOWNHOUSE 或 single family. 但是首付不够，想做cash out refinance拿些钱出来。可是问了几个loan agent, 一个说可以， 一个说refinance以后一年不能卖不能买另一个primary house , 还有一个说法同2，但说限制期是半年。 完全不一样啊。 请问这个限制到底有莫有？有的话到底是多长啊？
通常半年内不能early pay off（重新换lender或卖房）。 如果cash out refi或者no cash out refi 后primary想变investment property， 是keep subject property as primary house for at least one year from closing.
如果楼主想表达的意思是买了townhouse or sfh后就想卖condo，那你可以做departure loan program. 就是你可以先买新房子，并且做新房子的loan的时候老房子的每月贷款不会算入总的DTI（debt to income)。 但是条件是你要承诺搬入新家后会把老房子卖掉。 这种情况下如果首付还不够，就只能老房子开一个Heloc ，或者在新房子贷款时做一个piggyback (second loan)。 A “piggyback” second mortgage is a home equity loan or home equity line of credit (HELOC) that is made at the same time as your main mortgage. Its purpose is to allow borrowers with low down payment savings to borrow additional money in order to qualify for a main mortgage without paying for private mortgage insurance.
不是很懂， 请问这是啥？ 某种REFINANCE吗？
6个月之内不能重贷，别的没限制。 离上次贷款6个月后可以做cash out refinance
一般6个月，每个银行也不太一样
A “piggyback” second mortgage is a home equity loan or home equity line of credit (HELOC) that is made at the same time as your main mortgage. Its purpose is to allow borrowers with low down payment savings to borrow additional money in order to qualify for a main mortgage without paying for private mortgage insurance.