<prompt> Human: Quicken Loans acquired my home mortgage a year ago and now they are calling me offering to refinance.I purchased the single family home in Santa Cruz County bay areanorthern California in 2010 for 400k and it is my primary residence. My current loan is 4.375 30yr fixed and the loan amount is currently 298k. My monthly payment is 2025. I have a credit score of 690 thanks to missing a credit card payment last year. I have a single Credit Card with 19k debt that I have been struggling to pay off. I own my two cars, but have no other major assets or debts. My income is 83k a year. I have a family and money is very tight each month.Quicken is offering me 4.25 with 2900 in third party fees buying down rate?, and they will pay off my 19k in credit card debt. What do you think? Is it a decent deal? They are being a bit pushy, and I should probably see a broker and get another offer. I think the reason Quicken is calling now is because real estate values have been increasing very quickly in my area. 18months ago my property was probably valued at only 350k so this feels like an opportunity. Paying of my credit card debt would be feel fantastic, and I am confident that I wont be increasing my CC debt going forward. I learned my lesson there and I am going to pay it off in full each month.Edit: edited for changing Origination Frees to Third Party fees. they said they are buying down the rate which google says is common. I have gotten them to reduce these Third Party Costs to 1650  <response>: You forget that although your monthly payment will be a teeny bit lower, you are adding 48 months to the length of your mortgage. Also, the fact that it is your current lender that is offering the refinance, you can guarantee that this puts them in a better position, which means they get more money from you over the long run. Otherwise, why would they offer it? 