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What Online Lenders Don’t Tell You About Those Low Refi Rates! They don’t advertise the full cost. Online lenders love to flash low rates — but they leave out the fine print. That “amazing deal” might cost you $15,000 in points upfront. If you refinance again in a year, that money is burned. Don’t fall for the number. Run the math. Compare a zero-point offer vs. the flashy one — and check the real break-even timeline. 👉 Message me if you’re mid-refi and not sure what’s hidden in the paperwork.
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