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I understand that, but how are they scheduled? Seems like there has to be a reason other than just what you said
RDFTS - which company did you get that interest rate with?
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Wells Fargo
I told them I could get 2.19% from BoA and beat it. They did!
Wells Fargo made me want to pull my hair out when I used to bank with them. I hope you know what you're getting yourself into!