hi DaveHave you ever heard of the refinancing term extension modification. About 10 years ago I simply bought down the rate on my existing mortgage with a flat fee of around $500. The rate at the time went from 10.25% to around 8%, and nothing else about the note changed. Do you know of any lenders that are still doing that? I've heard from a family member that works at a lender as a loan processor that - 1) She sees these type of loan mods all the time and2) It does not have to be with the original lender.Scott
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