Ironically, someone who secured a great rate in 1985 can get an even better rate today with worse credit. The incredibly low interest rates today make even sub-prime loans affordable. If you think you can get a better interest rate, even with bad credit, look into bad credit mortgage options or bad credit second mortgage options. If you aren't sure about proceeding, just hop online and use a mortgage calculator to figure out how much you might save or learn for yourself that there is no real benefit.
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