My bank sold my mortgage to a scammy mortgage company and I need to refinance and all the jargon seems scary and confusing.
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from reading your comments in this thread, you need to take a financial literacy course. This thread is a very clear sign that you have no idea what you’re doing. That isn’t an insult, just a fact. Better to know early on so you can get some knowledge, rather than fuck it all up for yourself. You have a 4.6% rate, if you refi now that will cost you a ton of money. Don’t do that. Get some financial education and go from there.
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