I refinanced with Mortgage Trust (on WLHP right before you go over the bridge) and got a 3.35 interest loan for 15 years, I was trying to avoid Wells Fargo but they ended up buying my loan and I'm with them afterall. I too need to call them and do the bi-weekly so I can shave it down.
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@QueenB, I thought it would shave off more than that in years? 4951