Live in NYC, live in a CoOp looking to refinance any recos and what is a good rate? My current rate is 4.5%

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Try first with the nationally known ones such as Rocket Mortgage. Talk to a local mortgage broker. If you have Costco membership they have good partnership with low closing costs. Refi to a 30-yr should get you close to 3% and a 15-yr to 2.6%.

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Mortgage News Daily
http://www.mortgagenewsdaily.com/mortgage_rates/daily.aspx

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