But if you're willing to take the time to dig a little deeper into the subject, you might be surprised at the number of offers and frankly very viable and attractive options.

When rates go down, you do not need to refinance companies make sure you get the lowest rates.

Another option is to use your refinance to shorten the inputs and outputs of your payments, entering by chance 5 yonks out of your term.

If you expect to find in the new home for only five years, the arm is recommended, but there is the risk of mortgage payment higher when the reset arm or fluctuates at higher rates.

This would mean an increase in your monthly payments, but if you do the math, your total savings will be huge.
Maybe they hope that exclude agents find time before they breathe their last.