I just went through this whole deal and it sucked. The old loan was through B of A. They are not set up to refi right now. I used Intercoastal from the internet. I got 5.99% and they would not give me what I owed for the refi. So, I had to buy down the balance and they charge me around $400 on the back end to do it. They did not spring that on me until the end. I was not happy, but, it is done.
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