We refinanced 3 months ago to 4.25% from 6.25% with Quicken loans. Then received a call from them this week and for $400 appraisal fee could refinance down to 3.75%. Altogether it saved us over $200 per month and quite a bit off our mortgage total.
We took it. They didn't have to redo all of the paperwork, just a few forms and we were done. They will send a notary out to the house to sign the final papers.
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