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Refinancing mortgages right now?
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Has anyone refinanced (or explored and not refinanced) their mortgage with lower rates and can speak to their experience? I'm at 4.25% on a 30 year (with 27 years left) and eyeing the lower rates, but my tolerance for stress and hassle is pretty low right now. How do you calculate when it will be a good value of time and money to refinance, and how much time and work does it take?
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