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Warning: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in ..../includes/class_bbcode.php on line 2958 Wow! The credit market is brutal.
I forgot to update...
I ended up going with Quicken Loans. It is a real pain to buy/re-finance these days, but they were easy to work with. We'll be saving about $46,000 over the life of the new 20 year mortgage, and will pay it off in 16 years or less. It is about $320 per month cheaper than the old mortgage, so we'll put in an extra $350 into the principal each payment, and increase that more later. That will shorten the mortgage even more with additional savings.