Refinancing, tips/advice/anything

[AJ]

Countrywide has come a long way from it's start up and is a very reliable lender. The only variance we have, we are with WaMu, is I think we have the 10 day grace on payments before any fees. But I don't think it matters though right now cause we get some sort of tiny discount with direct deposit.

Another note, you can always ask about the multi payment (bi-monthly) option. Might be somethig for you to look at, you end up making 1 more full payment a year I think. Just talked a little about it, not 100% sure.