How to Do Everything!
Most experts would recommend only refinancing if the current rate is at least 1-2% lower than you exisiting mortgage rate. Be sure to divide the cost of refinancing by 12 to see how many months it would take to recoup your refinance cost.
Contact your current lender to see if they have a recent appraisal on hand, this could cut closing costs. Be sure to look into multiple lenders to get the best rate. Tip: try to keep the refinance term about the same as your current mortgage to avoid paying a lower rate but for a really long time.
To void a check, simply take a blank check from your checkbook and write VOID in large letters across the entire face of the check. A ballpoint pen works well, and don’t forget to record that check as being void.
Making a check VOID is often used to setup something or verify identity. If you mess up while writing a check, a better option would be to shred it or tear it into small pieces.
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