The current rates are about 6.25 % but when my adjustable rate was due to change Everhome raised it 3 full percentage points from 5.125 to 8.125. When I called them to discusse it the said they would refinance my loan and approve me for a 6.350 rate but I would have to go through the entire refinance process again and I would have to pay $3500 in closing costs to get the loan. Obviously they could have adjusted my rate to the 6.350 rate without charging the closing costs but the only want me to pay them to do itI think this is a RIP OFF
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