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Do the math in excel on total outlay and make decision?
Also depends on how much cash on hand you have
Excel has a Loan Amortization sheet. Do a comparison for both of them and see if it makes sense for you or not.
DM if u need that, I had done a 3 rate comparison n took a decision.
It’ll take you ~4-5 years to earn back in saved interest the 3k fee you’re going to pay? For me that’s too long
+1 to MCK1 said. I paid 2k to bring the rate down and for me the 2k pays off in 4 years (on a 30 yr mortgage) - so for me it made sense.