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In Response To:
Thread Starter: SMQ, CRCM
Title: Re: Refi vs Cash out refi vs Home Improvement

And don't get too hung up on what the applicant calls it, they don't read definitions.

Your bank does not have a cash out refi product, so that's out.

Agree with Randy, you made him a loan for the dirt which is now improved property. This is a dwelling secured loan that satisfies and replaces a dwelling secured (improved property) loan.

Refi trumps HI.