eveyrthing is negotiable. we were at our bank since our college years so 15+ years now I very nicely and gently bitched my way to a 1.89% a couple years ago but who knows they prolly tripled my loan origination fees and got It back anyway idk. some math major should do the numbers but if your splitting hairs over .25% over a life loan of 72 months I would think you would make that up by cutting out one or two lattes a month
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which brings up does whatever the numbers work out to be worth alienating yourself to a bank, lender? in our case no I like my bank like our lender so not worth me calling haggling with every bank for a 1/4% reduction. in some peoples cases im an idiot and it very much is but many bansk to get the best rate make you have an account there and do an EFT from that account. just some things to keep in mind