[quote=scaredyclassic][quote=gzz]SDR: I didn’t see even a cost difference for going 20 instead of 30.

Scaredy: avoid the big interest rate penalty for cash-out by doing a normal no cash-out refi, and then getting a HELOC if you actually need money.[/quote]

Problem is i owe only 175k and its not enough for the lowest rate[/quote]

Well, like I said, normally one would need get a mortgage to pay for a new house.

But lately I’m thinking ….

I need to find a new house so I can get a brand new mortgage.

Lol, yeah I know that’s backwards…But interesting times we live in.