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Message: [QUOTE="ecasadoSBU, post: 3700041, member: 3976"] update: After closely looking into the CD I realized they include Q4 of property tax in the closing costs which amounts to $2k. That means that after reviewing things well... even though i'm paying $1.7k in closing costs when you subtract $2k i'm in effect also get paid to re-finance too. That made my day. lol. I just found out that apparently I don't have to make a payment till December 1st which is even better. Its amazing the times we are living in with extremely low interest rates. Those that have studied finance know very well that in the 1980s we had 15-20% interest rates. I would say go to better.com if you have the chance and at least look at the rate they provide you. They are very transparent. It only takes a few minutes [/QUOTE]