F.B : it really all depends, if you can knock out a bunch of credit card debt .. or pull the cash out that you need to do something to your property that will make it more of a home for you and increase its market value.. than getting less than two points off your current rate may not be the main consideration. It is all about what it does for ya 'overall' .. in my opinion... and besides.. if you have refi'd in the last year and a half..... you will never refi again under that rule... hehehe
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