[Sylvanfan]

I had two from 2018 coming due this year....didn't touch either during the Covid time as they were both variable..Took a 5 year 4.19 fixed on the one last month 3 months early. Hoping that the 5 year 4.38 offer on the other might be there when the guy calls me back this month.

Here I thought making my payments and not refinancing to the hilt every couple months was responsible....so stupid....life ruined now.