my bank called me this afternoon. I was supposed to close on a zero cost refi for house two. they wanted to schedule closing, but needed an extra day to change the documents as rates changed. I was locked at 3.125%, but with the quick dip yesterday they got me down to 2.875%. woo hoo, that's about as close to free as I will ever get. knocking it down from 24.5 years to 20. can I get an amen
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