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laryr thanks for your question, and I wouldn't necessarily call you crazy not refinancing, but it certainly would be short sighted not to explore your options, especially with the rates close to their all time lows. The fact that your reset is going lower allows you to take your time in analyzing your situation comfortably. Two things to consider are: 1) your home value, are you in a declining value neighborhood? and 2) How long will the rates remail low?Post a Quote request, and many great lenders will throw in their two cents. Best Wishes, Jim
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