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In response to "We signed our mortgage refinance yesterday. As usual, there was an 11th hour monkey wrench, but we resolved it. Should be saving about $400/month -- nm" by prayformojo

It's a gift. Wait until they offer you...

...the option to skip a month as a thanks for the refinance.

Enjoy it, unless you expect to pay off your loan b/f you sell or die.


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