Originally Posted by Danzig

i know countrywide contacted us several times about refinancing at a lower rate. BUT, unless the rate is much lower, it's not worth it once you pay all the fees, closing costs, etc. another time they offered a second mortgage to pay off my credit cards. i gleefully replied that i HAVE no credit cards. man was flabbergasted. then he said you should tell others how to do that...then he said no, wait. don't do that, it'll put me out of business!