| http://www.w3.org/ns/prov#value | - One rule of thumb is that if you plan on moving within five years, refinancing is a bad idea (the real savings are usually found at the back end of the deal, and the front-end savings are chewed up by closing costs and fees).But if you have good credit and plan on being around a while, there???s no reason you can???t take advantage of record-low mortgage rates.After all, you just don???t know if y
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