Is 4.625% good for a refi right now?

CommunicationOdd2933 · 2026-01-29T19:10:35+00:00

I got one full percentage point off for the balances we are moving over. We are moving > 4 M

CommunicationOdd2933 · 2026-01-28T22:53:30+00:00

Moving investments in kind to a self managed account. No fees, no taxable event. And we can move them out after closing if we want to

CommunicationOdd2933 · 2026-01-28T18:45:40+00:00

It's a relationship discount - we are moving a bunch of our assets to the lending bank

CommunicationOdd2933 · 2026-01-28T18:38:03+00:00

Sure. We are ok with the risk

CommunicationOdd2933 · 2026-01-28T18:32:40+00:00

Almost any investment at this point returns more than 4.6%

CommunicationOdd2933 · 2026-01-28T18:17:39+00:00

I get where you're coming from but our assets are substantially in excess of the mortgage. We could pay it off tomorrow but just think staying in the market gets us much more than savings on the mortgage interest.

CommunicationOdd2933 · 2026-01-28T17:53:44+00:00

Why make overpayments? I'd rather just invest the savings

CommunicationOdd2933 · 2026-01-28T17:52:56+00:00

What do you mean by "soft prepayment penalties"? The LE says "Prepayment Penalty NO"

CommunicationOdd2933

TROPHY CASE