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By du himmelstein cited by related articles. Online resources can be valuable in getting a clearer understanding of available rates, but Dulaney cautions against applying with online lenders you know little about. Refinancing may lower your interest rate, lower your monthly payment or extend your loan term. After shopping around and working with a broker, my wife and i found a terrific rate at washington mutual that we did not even have to bother locking in.



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