[Rick Lee]

Red, take that deal and run. Though be sure to update the payoff before closing because it will account for your payment tomorrow, but maybe not for another week. My taxes are $1500 a yr., so escrow waiver doesn't make a lot of sense unless it's free.

Hugh, when you say no money out of pocket, do you mean they didn't add the closing costs to your balance? There's no free lunch and unless your new balance is the same as your old payoff, your closing costs are rolled in and you're paying them over the life of the loan.