[quote=bearishgurl][quote=flu]…There’s always next month…[/quote]

flu, look at your papers again. You probably have at least a 3-month moratorium from refinancing :=0[/quote]

I was speaking metaphorically. It won’t make sense to refi unless rates drop again for another .50%..And if I do refi, the lender has to pay back the commissions I think…
Not my problem…

Funny, cause I was only with my previous loan for a few months, and back then it was 3.375 and I thought I was already getting a great deal…

My monthly is ridiculously low, at $2660ish/month and my total loan is lower too. I guess I should have done the negative points, but I was already too far in the process and didn’t want to cancel. again, maybe next time.
Also, got a 3% heloc setup at the same time in case I need a short term financing for something that comes up too good to pass, and don’t want to liquidate elsewhere at the time..

Ended up getting a heloc setup versus doing a cash out refi…Because there’s no guarantee I’ll need to take the cash out ,and don’t want to get stuck paying interest on money that’s just sitting there not being put to good use. So my credit line is just going to sit there, no annual/renewal fee until I need to use it (which might be never).