I just noticed that i can get a 4% 15 yr fixed on a new purchase at my local bank. Unfortunately, i want to refi which bumps that to 4.875 no cost....i'm at 5.49 so it doesnt help much....plus i dont think they'd WANT to refi me....i pay $400 extra per month as it is so they know im a good payer....might as well keep me at the 5.5...
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