If your current mortgage is a mortgage with a variable rate, then it is wise after several years (maybe five or six) to find a mortgage with a longer competitive fixed rate.

Many homeowners have chosen a variable rate mortgage to continue to enjoy lower rates in the near future.

You can file a complaint against discrimination to the appropriate body to deal with this issue.
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Homeowners who refinance with long term fixed rates pay between 1.00-2.00% higher than those who refinance with an ARM.

Dress for the event in overalls and wearing a mask just to be sure that you are not inhaling the invisible and deadly fumes.