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I just received a letter from my mortgage company announcing they have CUT my interest rate by .25% and showing my new lower payment. Given that this was un-solicited and not even "here, sign this", I'm thinking there is a much bigger issue at hand here. Anyone care to comment?
 

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That's a nice Christmas present! I know the fed cut the rate big time.

Are they trying to detour the next boat load of forclosers?

I'm keeping a close eye for a re-fi, heard rumours of 4% fixed.
 
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