No, I don't. Perhaps it is not the 1/10th of a point so much as the fact that as interest rates retrace up, fewer and fewer people will benefit from a further refi since they already refiied at these levels months ago on the move down.
Just before the turn up I refied my home, and cut my mortgage payment by 33%. I won't refi again unless rates DROP, and I suspect neither would most other people.
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