re: No cost refi offer

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You literally make no sense and no one should listen to anything you say

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If you cant comprehend a difference between costs and interest rates, it is not shocking that this information doesnt make sense. At least you can admit it.

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The only guarantee he gets in this scenario is that he gets a better loan for no cost. If he has to relocate, it doesnt cost. If he has to refinance again for cash out, it doesnt cost.
It is the freedom of a mistake free scenario.

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If you want to correct the above statement, go ahead. Im willing to listen and learn.