The good news is that since you have a fairly new loan, refinancing to another one won't extend your term very much and you'll repay pretty much on time. The hassle shuld be minimal because you just got your loan. Make sure that your title company gives you a short or reissue rate because that gets you a big discount and title insurance can be the most expensive part of refinancing. Incidentally, don;t make the mistake of just taking this deal without comparing other no-cost offers from other lenders. Rates are dropping and you may be able to do even better.
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