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I have about 24 years left on my 30 yr fixed @ 6.875% The pay off is about $53,000. Would it benefit me to refinance? If so, what products would be appropriate for me if I don't want to increase my payments much more than the current P/I of $373.14? My credit score is just over 700. My Ch 7 BK will have been discharged 3 years on 04/29/2011
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Nope. Sit tight if you plan to sell in a few months.
If you are planning on listing the home for sale I would not refinance it. This will only increase the amount owed by adding closing costs and not much savings to you in a short period. If you were planning on keeping the home it would be worth it as rates are really low right now.
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