If the borrower will be in the loan over 4.75 years to pay closing costs and points can be made the most sense.

First you need to balance the costs of refinancing a mortgage on the savings you receive.

Are there any suspicious activity or incorrect entries? If this is the case, immediately mark the entries.
The problem with leaves bank rate is that they already include Service Release Premium and the bank has no legal obligation to admit.
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Do not be tempted to go the other way, regardless of the urgency of your mission.