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One thing to consider although its small is annual MIP will be increased by 10 basis points in 2013. So that would increase your mip about 10 per month if you wait that long, however you should be able to do something before the new year.You need to meet the 5% savings threshold in order to even qualify for a streamline, but on such a small loan 40-50 savings clears the 5% percent savings easily.You have a 6 months seasoning rule to be eligible for a streamline but if you closed in March your fine on that end.However if you closed in March your up front MIP was 1%, on April 9 the up front amount was changed to 1.75%With all that being said you will be paying an additional 950 in upfront MIP plus whatever you do not get refunded to you.This is something the lenders you asked should have caught when looking at your scenario.
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