On average, I probably get two to three calls a day inquiring if I want to refinance my mortgage. informs that they’ve already pre-qualified me for a great deal on a refinance, all I have to do is call! Sometimes, I’ll even get a “personal” message from Cindy, John, Joe, or Bucky letting me know about this deal, since we talked about it the other day at happy hour. The only problem with this fantabulous (really, neither fantastic nor fabulous fully express my excitement) deal is the simple fact that all of the above information is bunk.

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