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When we were waiting for several weeks for the interest rates to come down to a certain rate before we refinanced, Finance of America kept their eye on it for us. Several times they corresponded with us that they were still going down, but they thought that trend would still continue. Finally they recommended we lock in the rate and we got 1.15% off our mortgage. The next week the rates started to go up again. And we got a credit for being return customers. Bravo!