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Buying a Home - What happens if interest rates decrease and I have  fixed rate mortgage loan?

If interest rates drop significantly, you may want to investigate mortgage refinancing. Most experts agree that if you plan to be in your house for at least 18 months and you can get a rate 2% less than your current one, refinancing is smart. 

Refinancing may, however, involve paying many of the same fees paid at the original closing, plus origination and application fees.

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