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Figured I'd update....
...a while ago I was fretting about locking in and refinancing at 5.25% since my 4.875% balloon was up later this year. I figured I might never get 4.875% on a 30 yr, but was aiming for 5%.
We might see 4.5% or we might not...but I didn't want to gamble and see rates go higher after this current low. So today I locked in 4.875% with Countrywide on a 30 yr through an old college buddy who runs the group in Chicago.
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