Refinance

[strife]

Best I could get in my neck of the woods was 3.09 over 25. Not that it's relevant. That's also only with 5% down though.

If you put 5% down on a house, you aren't really buying it. You're just renting it from a bank, heh.

Technically anything less than paying 100% would just be renting... until you pay it off