I've confirmed it is a time seasoning not a 6 payments seasoning and this matters because then it doesn't matter whether you bought the property with a loan or cash https://selling-guide.fanniemae.com/Eligibility/Mortgage-Eligibility/Loan-Purpose-/COR/109[…]ng-requirement-for-a-cash-out-refinance-transaction.htm)For a cash-out refinance, Fannie/Freddie apparently requires 6 months time on title before refinancing.

And yes, connecting the dots served you well, I am NG, so my first ETS date is in 3 yrs. 

Quote from @Dean Ng: Quote from @Mike Dymski: Get a third estimate from a contractor you trust. 

Welcome, @Nancy Boudreaux-Ng!

Call tham and ask.

I'm sure you'll do great @Grace Ng Just have fun with it and meet some new people. 

@Alex Ng I like to think about investing where people live.

I know people using oil paying $600 per month and people on NG paying $150 a month.  

Originally posted by @Yvonne Ng:@Dick Rosen Hello, How about Tucson, AZ near UA? 

19kyr 3 12k(36k) BUT cv says 30k 32k---Year 5 (60k).....BUT cash value says $55k(G)   $60(N-G)this will go on for 5 years!!!