re: Question about home refi

I was with Freedom Mortgage on my previous place. After 2yrs they contacted me and asked if I wanted to refi. I read and re-read those docs over and over looking for the catch.

I lowered my rate by 1.5%.

Easiest transaction ever.

It cost me NOTHING out of pocket. No closing. Nothing rolled into the principal. Nothing. Initial paperwork done via DocuSign and they sent a notary to my office to sign the closing docs. Knocked like $300 off my note.