Anyone interested in refincancing might also want to check out www.ingdirect.comTheir mortgage rates are as good as their savings rates. And their closing costs are the cheapest we've found. We've just started the process of refinancing with them, so I don't know how complicated it will all turn out to be (they said it would take 5-6 weeks), but it should save us over $300/mo when all is said and done.Ellen
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