Correct me if my math is wrong, but do you still owe around $140k and your P+I payment (not including escrow) is currently around $810?
That's the approx figures I came up with. Just making sure before I throw any other figures out there.
Edit: Also you mentioned no out of pocket costs. What amount are they charging you that they are rolling into the loan amount?
This post was edited on 2/22 at 10:12 am