When to refi question - with remodel, appraisal
I own a 2/1 condo in bay area - 2-unit building with a garage, backyard, etc. We like it, plan to stay here at least another 4 years. Currently have a 7/1 ARM at a great rate with 5.5 hers remaining at 2.625%, but with only 12% LTV (no PMI). In order to refinance to a 30-yr fixed at ~2.75% and avoi