I completed a refinance today for a family who will save $295/month on their monthly mortgage payment! It's one of those closings where you feel really good about what you do, and how you can help people. Putting an extra $3500/year into a family's budget is great. GREAT!
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Refinancing usually isn't hard and the closing costs can be financed (rolled) into your loan. Typically you will make back in a year those closing costs with the reduced monthly mortgage payment.
Who else is ready to refinance?!