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Message: [QUOTE="Hey Adrien!, post: 3661988, member: 5787"] I'd rather not re-fi back into a 30 year. Based on what I shared in the previous post, better to: a) just stay where I'm at b) refi into the rate they offered Since it's the company I've been with since the start, I feel like they're giving me this rate as an incentive not to shop around to other companies. Better to keep me at a rate where they lose less interest a month and lose me completely. Thanks again for all your help. [/QUOTE]