I am smiling today!!  I completed the phone application to refinance my mortgage and the interest rate was even lower today!  I am glad I didn’t lock in yesterday!  I locked in at 5.628% for the life of my loan.  this cut another 10.00 a month off my payment.



Of all days, the day on which one has not laughed is the one most surely wasted.  – Sebastian-Roch Nicolas de Chamfort


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