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Reply to "How much of a drop in interest rates for refinance to be worth it?"
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[quote=Anonymous]Find a no cost refi-- like at amerisave. It will be a slightly higher interest rate but you should be able to get a lender credit sufficient to cover your closing costs. If you can, and if the rate is still lower than your current rate then look at what the drop in monthly payment will be (also keep in mind you will reset your mortgage but you are at the very beginning and if you keep paying your loan at your original payment level you should pay it off sooner than if you had kept the old loan)[/quote]
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