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Reply to "When to refinance"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous] Mortgage rates are based on the 10-year treasury. At this point, the 10-year has baked in several rate decreases already, so not sure it will move much when the Fed lowers rates.[/quote] ^ As an employee of a large mortgage provider, this is the correct answer. Also, almost done refinancing a 30y from 6.99% to 6.125% with no points. So, you are due up for a much improved rate if you are sticking with a 15y right now. [/quote] what about increase in timing and increase in loan balance for refi? [/quote]
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