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m00d, going from 5.125 to 4.5 would only lower your payment about 45 bucks a month, but you'd be rolling in closing another $1-1500 in closing costs or so..
Good if you're living there for a long while, but... if its a short term, not so much.
The 4.5% right now with 0 discount points, and a discounted origination fee.
I can run a scenario for ya, if you want, total payment, new loan amount, etc.
ICQ 5321093
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