You may want to try your current lender, because sometimes they will just do a processing fee and lock in your loan.

If you have a rate that you're seeing to begin to increase, look for alternatives. It makes the most sense right now.

Some guys will cast a plastic worm out there and hold it. But I like to keep moving.

Just because I went buggers, doesn't mean you will. This stuff is not strictly hereditary, they know that now. Listen to me, you're going to be OK.

It will be a tremendous benefit.

Luckily, those two factors will neutralize each other.