Staying with Concentra the penalty is lower but they aren't offering to lump it in. The original mortgage was $141K so lumping in at this point means I would owe $143K. I think if I pay the $6500 penalty I can go to variable with Concentra. That would reduce the break even from 17 months to 13 or so. Actually doesn't sound to bad.
Since the Mortgage was insured through Concentra I am under the impression moving it has complications.
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