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@greegiecee Might be too late to shop around, we are already in contract, awaiting the appraisal to close.

We are looking to lock in today and not able to decide which makes more sense. 7.25% with 0 points or 6.75 with a 15 month breakeven. Basically, it comes down to are we going to refinance in under 15 months, if not buying points makes sense. Other than guessing the market, isn't it less...