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As with all economic issues, re-financing plans are never an exact science, and rarely lead to a perfectly clean-cut decision about the cheapest plan. The median seems to be that a 30 year fixed mortgage carries about a 4% APR and a 3.875% rate. Oceans Capital Network appears to have the cheapest of such plans, with a 3.822% APR and a 3.75% rate. Green Light Loans claim to have a 3.5 rate, but I was unable to verify the details.

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Q: Who offers the cheapest california refinancing?
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