re: No cost refi offer

quote:

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House is worth about $225k. I always pay extra toward the principal. Just cautious when I get an offer like this

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You should be fine so long as the appraisal comes back over $125k (below that, it could affect the pricing on the rate:discount).

There is never any harm in shopping the rate. But at your loan amount, it sounds like a good deal to me (you already arent getting the best pricing because of the size of your loan).