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					Originally Posted by  WESTPORTMAFIA
					 
				 
				3.25% no points no closing costs. What you owe is what you will borrow. 
			
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 There are no fee's? 
For example  $100K  @ 5.75% apr with current lender 10yrs left on 20yr loan, and the apr is cut down to 3.25 10yr loan. 
zero cost to home owner, just a new lender and smaller monthly payment?