Current mortgage is $775 a month and 13 years remaining. Refinance offer would leave me with $30,000 in hand, and a $570 monthly payment for 20 years...
If I had the $30K in GUSD for the 13 years it would be worth $85,420. At that time the refinanced loan would have $53,979 remaining, So I could pay it off and have a nice chunk of change left over... Not to mention I would of been paying $205 less the entire 13 years saving roughly $32k....
I smoked a lot today but I cannot find the downside here... I mean other than GUSD rates may lower over time...
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