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In response to "My conundrum is that in order to get a rate worth refinancing (25 bps improvement, give or take) I’d need to take out a significant amount of cash." by znufrii, human scum

I'm at 3.75% now. I think I can get to 3% if I move to a 15 year. I just want a faster payoff.

for you, why not just take cash to get the low rate and then plow it right back in 30 days later?

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