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[quote=Anonymous]We shopped around to refi when our mortgagee (wells Fargo) offered a refi that wasn't as good as we wanted. We got some quotes that Included closing costs, and better rates. We then went back to our mortgagee and said we want you to modify the loan to this lower rate or we walk and refi with the other bank. It worked. So no closing costs, just a lower rate, we did this about a year after we had refied, this could be a low cost option.[/quote]
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