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[quote=Anonymous]We did a no cost refinance through our existing mortgage holder a few years ago. They also did not require a new appraisal. We had the option of resetting to a new 30 yr, keeping the term the same (25 yrs remaining), or shortening the term to 20 yrs. From what I could gather the catch was that the interest rate was slightly higher than what we would get doing a regular refinance with closing costs. But since we didn't intend to stay in the house for very long, we wouldn't recoup our closing costs anyway.[/quote]
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