Answers by James Saffell

Corri, Great question. Yes you may refi your loan. Many buyers are asking sellers to help them purchase with an interest rate buy down closing cost contribution. This would allow you to purchase now and be able to refi later down the road when the rates drop, hopefully. All we know right now, is that the rates are still solid, and prices are not really falling in most areas. Wish you all the best

Typically this will be on the side of the house where you find a main pipe going into the home. You may also purchase hose bib covers that will secure around the hose bibs to insulate them and or use weather wraps to keep them insulated.