Maybe. Your first call should be to the title company or attorney that handled your closing. In the DC, Maryland and Virginia metropolitan area, many title companies hold money in escrow from the seller to pay the final water bill.
Very unlikely. Mortgage underwriters will review bank statements looking for any large deposits or automatic withdrawals going to pay undisclosed debt. In the process of reviewing bank statements, an underwriter
Mortgage recasting, also known as re-amortization, is a process that allows homeowners to reduce their monthly mortgage payments without changing the interest rate or term of the loan.
