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oddly enough this is back from Feb 2007.... I didn't realize that there was something about refinancing, but that was a point of saving money back in those days. Though you are right refi can be costly. I honestly hate the roll up into the mortgage because well people think it's "free"
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I don't care if you are black, white, purple, green, Chinese, Japanese, Korean, hippie, cop, bum, admin, user, English, Irish, French, Catholic, Protestant, Jewish, Buddhist, Muslim, indian, cowboy, tall, short, fat, skinny, emo, punk, mod, rocker, straight, gay, lesbian, jock, nerd, geek, Democrat, Republican, Libertarian, Independent, driver, pedestrian, or bicyclist, either you're an asshole or you're not.
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