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Moving from one lender to another chasing the better interest rate, lower fess or better conditions is something that everyone should consider at least every couple of years. Loan offerings change regularly and at worst you have verified that the deal you currently have is still competitive. What you need to consider beside the new loan is the cost of switching lenders. Most lenders will charge $300-$400 just to settle the old loan, and that’s before the government costs and new lender setup fees.
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