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So I got an overnighted letter in the mail from Chase, saying I could call to have my mortgage rate lowered with no closing costs.

It really seemed too good to be true but I went from 5.875% to 4.5%. Just got off the phone with them and yep, no problem at all, it'll close in a couple weeks, they're paying all the costs, I'll pay a decent amount less per month. Whoa.

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