Am doing a refinance on my home. Just taking from a higher interest rate to a lower on thru the "HARP" program. Mortgage is held by Chase and its staying with Chase. Only thing changing is the rate (down from 5.75 to 3.87). I have 20 years left on a 30 year note so am refinancing it at 20 years and my monthly payment is dropping just over $400, or I continue with the current payment and have it paid off in 12 years. My home appraised for more than what is owed so its pretty straight forward. We are "closing" on Friday and I have a 72 hour to rescind.
So my question is do I need a lawyer or is it just simply a changing the paperwork thing?
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