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system
what is the best way to determine if you should refinance a mortgage?
user
our mortgage provider actually took the initiative to send us a refinance package with no closing costs to us and nothing added to the note; took us from a 30-year-fixed ~6.5% note to a 15-year-fixed ~5% note, and dropped the monthly payment in the process.  you might talk to your existing lender to see if they would do something like that for you; it gives them a chance to keep your business, and it cuts your costs.
assistant