We started the refinance process about three months ago. Finally, today a woman from the title company came over our house to have us sign all our paperwork. After about a half an hour, we were done and we had lowered our monthly mortgage payment by $440. Not bad. We now have a 4.625 mortgage rate. Plus we got a no-interest loan to pay off the closing cost, blah, blah, blah. Bottom line, we have some money we can start CootieGirl’s college fund with.
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