For homeowners who are current and have a good payment history, there are specific cost-effective ways to lower your monthly mortgage payments. Whether it makes economic sense to do so depends upon how long you plan on staying in that house — and the state you live in. State-by-state closing costs. By Bankrate.com http://realestate.msn.com/article.aspxcp-documentid=13107766. State-by-state costs http://www.bankrate.com/brm/news/mortgages/2008/closing_costs_map_a1.asp
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