Hi there, it's James Forte here with Total Mortgage, and your Mortgage Minute of the day is refinances.

With all the buzz going on with rates dropping, lots of interest in refis.

We have some amazing programs, very creative ways to restructure a refinance, where we not only incorporate closing costs, but give you a lender credit to actually cover them for you.

So in essence, you're not paying anything to refinance, and you're still saving money per month.

If you want to know more about that, and what I can do for you, please give me a call.

203-942-6860 or email me at [email protected]

Com.

Thank you!.