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3 yr old product?
Your current rate is 6 or less I assume?
FWIW the 4k in closing only really matter if you intend to stay for 30 and pay it off.
Not sure what good a refi is really going to do for you other than lower your monthly by ~$50.
Sounds like what you really wanted from the bank is a new loan on the lower value of the home, borrowing less because the house is worth less. Or put another way, you want the bank to absorb some of the loss in value.
Don't see that happening.
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