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Dean Spalding, a financial-services executive in Louisville, Ky., has refinanced his 15-year mortgage which now has a balance of roughly $350,000four times since 2009, including twice in the past 12 months. Over this period, his rate has dropped from 4.25% to 2.875%. After his last refi, he says, his monthly mortgage payment dropped by about $150.
“It has been a no-brainer,” says Spalding, who used First Commonwealth Mortgage, a mortgage broker based in Louisville.