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No. Its not a REFINANCE. Its a reimbursement at best. You are trying to switch a non interest bearing item into an interest bearing one. That can be the issue with a spouse too. Just because they paid it doesn't mean there was a loan term, and it has been refinanced.

You could but could it taint the loan if its not a genuine refinance. Otherwise would not everyone just reimburse themselves for the deposit ?? Making a payment to yourself is not a refinance of a deductible debt. If the aim is to max the loan at 80% for example you could structure the...

A payment made by wife isn't necessarily "financed" so don't leap to a conclusion that its a refinance. Her money v's your money ?? Source ?? What was the nature of the original amount ?? What terms suggest it was a loan v's a gift. Is she your bank ?Now how do you determine that ? What was the...