http://streeteasy.com/nyc/talk/discussion/31470-apt-combine-refi en-us 40 Most recent comments for Apt. Combine / Refi <p>thanks!</p> <p>I guess the real question is would I need to refi the combined apt, not just the one unit with the original (adjustable) mortgage. Early inquiries led me to believe that I would, since no one will issue a mortgage on half an apartment. </p> <p></p> http://streeteasy.com/nyc/talk/discussion/31470-apt-combine-refi?comment_id=475760 http://streeteasy.com/nyc/talk/discussion/31470-apt-combine-refi?comment_id=475760 <p>Mortgage Broker here with Wells Fargo.</p> <p>Need some more info, but it should be doable.</p> <p>Ellen Silverman <br /><a href="http://www.esfunding.instantlender.com">www.esfunding.instantlender.com</a></p> http://streeteasy.com/nyc/talk/discussion/31470-apt-combine-refi?comment_id=475645 http://streeteasy.com/nyc/talk/discussion/31470-apt-combine-refi?comment_id=475645 <p>Why are you asking this here, when your managing agent is the one who knows, and will be processing the paperwork?</p> http://streeteasy.com/nyc/talk/discussion/31470-apt-combine-refi?comment_id=475625 http://streeteasy.com/nyc/talk/discussion/31470-apt-combine-refi?comment_id=475625 <p>Having 2 mtce bills does not reflect whether the units have been combined into 1 w.r. t. building dept. Go online to figure this out. <a href="http://www.nyc.gov/html/dob/html/bis/bis.shtml">http://www.nyc.gov/html/dob/html/bis/bis.shtml</a></p> <p>If they haven't been combined vis-a-vis the building department, you can still get one mortgage, but may have to put some $ in escrow that you get back when the job is closed out with the city. </p> <p>Co-ops handle combinations differently. Some re-issue shares, some don't.</p> http://streeteasy.com/nyc/talk/discussion/31470-apt-combine-refi?comment_id=475610 http://streeteasy.com/nyc/talk/discussion/31470-apt-combine-refi?comment_id=475610 <p>Does anyone know what you have to do to officially combine 2 coop units with the City? The units were bought in separate transactions and have been renovated into one unit (one kitchen), but officially they are separate (2 maintenance bills etc.)</p> <p>I'm thinking about refinancing all together under one loan, but I think I first need to officially combine -- or do I?</p> http://streeteasy.com/nyc/talk/discussion/31470-apt-combine-refi?comment_id=475576 http://streeteasy.com/nyc/talk/discussion/31470-apt-combine-refi?comment_id=475576