Q: I refinanced my home in 2004 and got a second-mortgage for debt consolidation. I now need copies of the checks that paid off the IRS and other bills we consolidated. How best to do that?
A: It's not going to be easy, that's for sure.
If you received the funds and paid them out of the proceeds of the loan, your bank may have an electronic record of the original check. If you don't have or cannot locate your checking statements from 2004, the bank may still have an image on file as part of their regular record keeping.
If the mortgage company issued the checks, you are going to need to do some deeper sleuthing. You might check your loan documents to see if there is any indication of funds being used to pay other parties. Even with that, you'll need to find the company (or successor) and see if they have a records archive where they might store original documents. If not, they may have digitally imaged them already, and you might be able to get images of the drafts paid as a portion of your loan closing, as above.
The IRS and the party whose debt you satisfied may be able to give you information with regards to the date the obligation was paid up, which may help, too.
More help from HSH.com
Can we do a "cash-in" refinance?
How do I remove or add a name to a home loan?In general, the only way to remove a name from your mortgage will be to refinance or pay off the debt. This is also true when trying to add names to the mortgage. Lenders will not add nor remove names from such an obligation without the opportunity to ensure that the other borrowers have the ability to pay.
I'm trying to refinance a jumbo loan.
Is there a ten year refinance mortgage out there?Almost any lender that offers a fixed-rate mortgage will offer a 10-year mortgage. Mortgage rates for a 10-year mortgage usually aren't any better than the rates offered for a 15-year mortgage. That said, be sure to shop around to find a competitive rate. Getting a fixed-rate mortgage with a term as short as 10 years will save you a lot of money on interest costs.
Living on investment income. Can we refinance our Jumbo mortgage?Have you talked to your investment advisor (if you have one)? Some firms will make mortgages for clients with different rules than those you'll find in the open market.