[quote=teaboy]Had I learned anything yet, then i probably would.
But I’m very little the wiser right now.

I’m thinking of going ahead with my second sequential refi within 2 months. Unless someone can help me understand this better.

All this Truth In Lending stuff and I’d still feel that things could be much more transparent…

Anyone know more about this?

tb[/quote]

The truth in lending stuff, imho makes things more confusing…Don’t feel bad though… It’s been 2 months for me, and I’m currently in the process of refinancing (again)….Currently, I’m told I can lock in at 3.375/15 year right now. But I’m going to wait it out to see if it goes to 3.25….