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Debt Consolidation Options
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I actually went through a refi about two years ago when rates dipped, and honestly, the math worked out for me—but only because I planned to stay put for a while. The closing costs were a pain, but I broke even after about 18 months. If you’re not sure how long you’ll be in the house, it gets trickier. Has anyone tried one of those no-closing-cost refis? I’ve always wondered if they’re just smoke and mirrors or if there’s a real benefit there...
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