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Posted on 2/9/15 at 12:34 pm to CQQ
If I can get in, I would take Golfers logic from the previous thread... Start at a variable, since they are capped at 8% (still better than my current average rate), but if rates start climbing steadily, jump over to a fixed rate and lock in around 5-7%. Sofi does not charge to move from fixed to variable.
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