YOU MAY ALREADY KNOW THIS BUT, JUST IN CASE, I THOUGHT I WOULD SHARE. Did you know that you can do a Rate & Term Refinance even if you don't currently Escrow and payoff your Current Property Taxes, WITHOUT the loan type changing to a Cash out/A6? Benefits of a Rate and Term Refinance in October, November & December: 1. Pay your Tax Bill without changing your loan type 2. Close in October (IF THE TAX BILL IS OUT), SKIP your November Payment (possibly even your (1 comments)