We also had ours with Citizens Mortgage and were in the process of checking on a re-fi. But then I remember hearing about a practice everyone uses in Austrailia. Now this only works if your going to pay everything off in a few years. But what we did was to go to Citizens bank and get a Home Equity line of Credit. Instead of us paying the $3000 in closing we would have had at the Mortagage company Citizens bank is paid all the closing costs. They have 2 different ways you can go prime or prime plus 1. We did prime %3.25 right now.
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