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Would you pay upfront to lower your mortgage rate?
Been thinking lately, what if you had the option to pay a chunk of cash upfront to lower your mortgage rate long-term? Like, say you had some savings - would it be smarter to use them to buy down your rate, or just hold onto the money for emergencies or other investments? Feels like a bit of a gamble either way, you know... curious how others would handle this.
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