I suggest to those that are needing to refinance to start your loan process to prepare yourself to lock in if rates drop.  You don't have to complete the process if the desired rate is not achieved.  The cost invested would be $325 for the appraisal to put yourself in position to win.  I have used this strategy before in the past and many of my clients have benefited from getting themselves in position. 

Rates change everyday and sometimes more than once.  Get approved!!! Put yourself in position to lock if they drop.  Start now!!

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