Can I refinance with a new lender and not get an appraisal?

yes.. FHA, VA, USDA (pilot program, available in certain areas only) and HARP 2.0 (Freddie / Fannie) all allow for refinancing without an appraisal... I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Yes, under the HARP refinance guidelines. As long as your last mortgage was completed prior to June 1, 2009 and your loan is backed by Freddie Mac or Fannie Mae. Generally, no appraisal is required. It's a very good thing if you are underwater (loan amount is greater then the value of the property). If you have an FHA loan, they offer a similar refinance program with no appraisal needed.

Barb is correct! Under most circumstances if you do an FHA Streamline, DU Refi Plus or Open Access loan; many times a lender can get around the appraisal requirement...Regards,Lorne

Sure, and FYI, most other lenders would likely be able to offer you the same option. As Barb indicates above, the need for an appraisal is based on the type of loan you have now and whether it qualifies for special financing programs that are only available to certain mortgages.

Yes, it is possible to refinance your existing mortgage without an appraisal. Like mentioned in the answers above, it will depend on what program you are using to refinance your loan. HARP, FHA and VA streamline are all possible refinance programs that can allow you to refinance without an appraisal.

Yes, under the HARP program and the FHA streamline your may qualify for a no appraisal loan.

yes.. FHA, VA, USDA (pilot program, available in certain areas only) and HARP 2.0 (Freddie / Fannie) all allow for refinancing without an appraisal... I'm a Broker here in Florida and only lend in Florida. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 800 813 3291 Andrew