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“A flurry of refinancing applications followed the Fed’s September meeting” – Anyone racing to ReFi a mortgage right now probably over paid (2020-2022), became house poor, has “bad” debt, or a combination. It’s says unexperienced first time home buyer. You won’t save any $$$ going from a 7.25% to a 6.5% rate if you don’t have a large amount of equity, or the forethought to switch to a 15 year mortgage. It cost money every time you refinance. It change doesn’t move the needle enough to be worth it.