Trichard --
Are you referring to New home closings or all closings? We were interested in doing a refinance but would have to come up with additional money to maintain the 20% down payment since our home has declined in price. For now, we've postponed that idea despite the good rates. Do others have the same issue ...... and what did you decide to do?
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"It ain't what you lost ---- it's what you have left"
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