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Josh-D. S. Davis

Xaminmo / Omnimax / Max Omni / Mad Scientist / Midnight Shadow / Radiation Master

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Josh 2004 Happy
Based on the county's appraisal, our loan-to-value is 71.6%.
Based on the refinance appraiser, our LTV is 64.3%.

So, realistically, we're somewhere in the middle, probably close to the Zillow value.

Our current bank isn't very competitive on refinance, but a broker in California is working on good rates for us.

I'm cautiously optimistic.
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