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I've been thinking about refinancing my mortgage lately, mostly because rates seem better now than when I first bought my place. Did a bit of digging and figured out a rough step-by-step: checking current rates, calculating break-even point (closing costs vs monthly savings), comparing different lenders, and then finally applying. But honestly, I'm not sure if I'm missing something important here or overcomplicating things. Curious if anyone has a simpler approach or some handy tips...
