Short Refinancing?

What bank have you been successful in getting a short-payoff approved for a short refinance (not a loan modification with lowering the principal balance, but getting a short payoff and sending the new loan to a new bank?

How was your experience with that bank?

What is your process for submitting a short-refinance?

What banks do you use to assume the new loan?

In your experience what has conditions or situations give you a definite yes? what conditions or situations give you a definite no?

any other input... thanks :)