dear all, wondering wats the refinancing procedure for home loan? consult tru friends friend, apparently hes freelance agent, however not sure whether wats the actual procedure, document need to prepare? just imagine pass your ic,salary slip as well as S&P agreement to strangers... just to be sure, just in case.

another question is when is the soonest or roughly waiting period for the refinanceing procedure to be done, say after documents submited? meaning if i do refinancing for cash out, how long it should take for the new banker to released sum to my existing banker, as well as the cash that can be usable???

anyone with such refinacing experience??? appreciate input/feedback from all sifus... thx.