any advice would be appreciatedis there a clear winner here?assuming i'll hold the house for a long time30 yr fixed loan at 8.5% with one point (break even point for point is about 4 years as fat as i can tell)versus7 year fixed 7.75% with one point (margin 2.5, cap 11 or 12%) and hope for cheaper refinanceversusarm with 1.875 % margin and .5 pointthanksbill
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