Zeev's Turnips Patch-No Politics (ZEEV)

[Newly2b]

You know, if you take a higher rate, you pay less points, and there is a point where they begin paying YOU to take the higher rate. Doing so, you still get the immediate benefit of lowering your payment, or taking cash out for the same payment, paying no points or fees (the rebate covers these). This way, it costs nothing to refi as many times as you like, so if rates drop again, you just refi again for free.
Newly