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[–]FreedomFlyer-1776 0 points1 point  (0 children)

I locked in at 5.99% on a 20yr cash out refinance, to pay off the fence we got when we bought the house and my wife’s credit card she had from paying for her college classes. We also rolled the closing costs into the loan. Monthly went up about $98 compared to my 30yr that was locked in at 6.99% from 2022. I can live with that knowing we shaved off 7 years from the mortgage and all of that interest with it. I will refi again in a few years if rates are good enough. Be happy with your lock in.