非常感谢. 完全同意. unless you know it's the rock bottom rate, 有费用 with
非常感谢. 完全同意. unless you know it's the rock bottom rate, 有费用 with even lower rate makes sense. but nobody can predict future, so no-cost refinance still rules so that you can do re-finance again in the future.
but on the other hand, my broker told me the 3.25% 30-year is the rock bottom. Do you think so?