Hi - mortgage refi rates in the US are currently well below 5% for a 30 year fixed. Problem is, I live in HK and cannot refinance at these rates as I am not owner occupied. Have any US expats found a way to refinance a US mortgage while living in HK (or elsewhere overseas?). Or possibly borrow money here and refinance against the property in the US? I see ads from time to time about refinancing UK properties, but not the USA. Anyone have any suggestions?