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Should I refinance my current mortgage now?

I have had the question ” should I refinance now” several times and want to send out some basic information about refinancing.  First,  even with a reduced interest rate you need to make sure you look at the complete picture.  Many companies are encouraging everyone to refinance because rates are so low.  Well, let’s remember there are costs associated with refinancing and your term can come into play too. Read the rest of this entry