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I think it could be that our current loan is at 5.25% and no one can beat that. We are wanting to refinance because we are retired and my husband''s job took away our medical insurance benefits. We have to now payout an extra $1400 a month. This amount of money has really caused us to stretch our income. And, the medical insurance cost is only going to rise, which will cause us more concern. This is the reason we thought we would try to refinance to lower our house payments.A member of our family just refinance her house for this reason and she had no equity in her home, paid some points, but in the end, her house payment went down by $400.00. This is what gave us the idea to try and refinance our home.
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