Refinances aren’t free! The lender is either adding the cost to your loan amount or giving you a higher rate with lender credits. Neither option is necessarily wrong, but what’s troubling is when bars don’t know what’s going on and think that it’s free. My client is a perfect example of this. If you didn’t show me what rocket Mortgage was offering him. He would’ve ended up with the loan amount that was $8000 higher than where he started less than a year ago.. and while the lower rate looked more
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