Gotta say this refi with hsbc has not been easy. It took a long time to close and I was 3 seconds from calling the whole thing off... But the good terms were hard to walk away from. Another plus about refinancing is new paperwork. I have no clue where I put the paperwork from my last mortgage but I will this time. Sent from my iPhone Support my cause - racing in the NYC triathlon with Team One Family! http://bit.ly/2JDjk9