Refinance offer - pls. help evaluate -- urgent! guy says:"rate expires tom'w" "$
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"getting pressure "
That would be enough to make me walk away from the table.
Refinance offer - pls. help evaluate -- urgent! guy says:"rate expires tom'w" "$11k closing costs are fixed"Sounds like he is trying to pressure you into getting it done so he can get paid. If you can live comfortably making those payments and be fine, don't do it.
Pay off your credit cards and keep one open for true emergencies. Close the rest (after they are paid off).
All this being said, with out knowing more of your situation, can not really advise you to well.
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