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It all matters on a number of variables whether you should refinance. The questions come down to how much you will really save a month versus the closing costs. If you are in NY I can probably help you much more since the fees all vary from state to state a bit. Also it is harder now to refinance since banks are very very thorough on all documentation and credit scores, but if your ducks are all in a line and you can reduce your monthly costs you should go for it.
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