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Reply to "Refi to drop mortgage insurance?"
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[quote=Anonymous]In the past couple of months, we went from owning 18% of our home’s worth to 25%...which means we can refi and drop mortgage insurance of $100/month. The $1200/year would go straight to student loans, but honestly isn’t that much compared to how much we put against student loans all the time (dh is a doctor). Regardless of how big or little it is, we definitely don’t want to waste it on unecessary $100/month. We are just not sure how long we’ll be in this home. Based on current job experience, dh might switch jobs. More likely just a commute, but possibly involves a move. I could see us selling in the next 6mo.. Or in two years... Or staying for another 6-8... We are first time homeowners, so I’m sorry if this is obvious to others..I just don’t know whether it’s appropriate to start contacting our lender + a couple others to start shopping for a refi. Advice?[/quote]
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