I have a couple lenders offering a "free refinance program". These lenders will pay for legal and appraisal, which will generally cost in the $800-$1000 range on a refinance. Of course, they don't pay for the penalty associated with breaking your current mortgage, but with the way rates are right now, it can still be well worth it.
I'd be happy to sit down with anyone and provide a no-obligation assessment of whether or not it makes sense to refinance.
Greg
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